Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$219,546Cash toward the purchase price.
Closing costs + prepaids$13,411Not just lender fees.
Before credits & paid funds$232,957The complete starting cash picture.
Estimated remaining funds due at closing
$232,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,546.41
Your down payment$219,546.41
Closing costs + prepaids$13,411.01
Total buyer cash needed$232,957.42
Remaining funds due$232,957.42
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,551.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$662.50
Initial HOA (3 months)$112.50
Prepaid interest, first (13 days)$317.24
Fees + prepaids$13,411.01
Your down payment is the seller’s equity. You take over the $310,354 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $232,957.42 is due at closing. Uses and sources reconcile at $543,311.01 each. Not a Closing Disclosure.