Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$203,271Cash toward the purchase price.
Closing costs + prepaids$15,955Not just lender fees.
Before credits & paid funds$219,226The complete starting cash picture.
Estimated remaining funds due at closing
$219,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,271.09
Your down payment$203,271.09
Closing costs + prepaids$15,955.09
Total buyer cash needed$219,226.18
Remaining funds due$219,226.18
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$924.00
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$1,880.95
Fees + prepaids$15,955.09
Your down payment is the seller’s equity. You take over the $356,629 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $219,226.18 is due at closing. Uses and sources reconcile at $575,855.09 each. Not a Closing Disclosure.