Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$182,694Cash toward the purchase price.
Closing costs + prepaids$13,719Not just lender fees.
Before credits & paid funds$196,413The complete starting cash picture.
Estimated remaining funds due at closing
$196,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,693.89
Your down payment$182,693.89
Closing costs + prepaids$13,719.50
Total buyer cash needed$196,413.38
Remaining funds due$196,413.38
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%)$5,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,696.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$249.00
Prepaid interest, first (18 days)$1,085.97
Fees + prepaids$13,719.50
Your down payment is the seller’s equity. You take over the $339,306 balance, so the rest of the $522,000 price is paid at closing. A second mortgage can cover part of it. $196,413.38 is due at closing. Uses and sources reconcile at $535,719.50 each. Not a Closing Disclosure.