Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$199,632Cash toward the purchase price.
Closing costs + prepaids$14,061Not just lender fees.
Before credits & paid funds$213,693The complete starting cash picture.
Estimated remaining funds due at closing
$213,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,631.54
Your down payment$199,631.54
Closing costs + prepaids$14,061.40
Total buyer cash needed$213,692.94
Remaining funds due$213,692.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,626.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,004.25
Prepaid interest, first (18 days)$713.81
Fees + prepaids$14,061.40
Your down payment is the seller’s equity. You take over the $325,268 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $213,692.94 is due at closing. Uses and sources reconcile at $538,961.40 each. Not a Closing Disclosure.