Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$212,826Cash toward the purchase price.
Closing costs + prepaids$14,389Not just lender fees.
Before credits & paid funds$227,215The complete starting cash picture.
Estimated remaining funds due at closing
$227,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,825.60
Your down payment$212,825.60
Closing costs + prepaids$14,389.16
Total buyer cash needed$227,214.75
Remaining funds due$227,214.75
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%)$5,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,555.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$632.00
Initial HOA (3 months)$711.00
Prepaid interest, first (31 days)$782.28
Fees + prepaids$14,389.16
Your down payment is the seller’s equity. You take over the $311,174 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $227,214.75 is due at closing. Uses and sources reconcile at $538,389.16 each. Not a Closing Disclosure.