Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$202,940Cash toward the purchase price.
Closing costs + prepaids$13,026Not just lender fees.
Before credits & paid funds$215,965The complete starting cash picture.
Estimated remaining funds due at closing
$215,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,939.53
Your down payment$202,939.53
Closing costs + prepaids$13,025.57
Total buyer cash needed$215,965.09
Remaining funds due$215,965.09
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%)$5,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,559.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.00
Prepaid interest, first (12 days)$230.77
Fees + prepaids$13,025.57
Your down payment is the seller’s equity. You take over the $311,960 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $215,965.09 is due at closing. Uses and sources reconcile at $527,925.57 each. Not a Closing Disclosure.