Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$227,379Cash toward the purchase price.
Closing costs + prepaids$13,732Not just lender fees.
Before credits & paid funds$241,111The complete starting cash picture.
Estimated remaining funds due at closing
$241,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,378.78
Your down payment$227,378.78
Closing costs + prepaids$13,732.47
Total buyer cash needed$241,111.25
Remaining funds due$241,111.25
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,438.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$643.75
Initial HOA (3 months)$600.00
Prepaid interest, first (18 days)$432.61
Fees + prepaids$13,732.47
Your down payment is the seller’s equity. You take over the $287,621 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $241,111.25 is due at closing. Uses and sources reconcile at $528,732.47 each. Not a Closing Disclosure.