Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$202,851Cash toward the purchase price.
Closing costs + prepaids$14,045Not just lender fees.
Before credits & paid funds$216,897The complete starting cash picture.
Estimated remaining funds due at closing
$216,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,851.33
Your down payment$202,851.33
Closing costs + prepaids$14,045.35
Total buyer cash needed$216,896.68
Remaining funds due$216,896.68
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$678.00
Initial HOA (3 months)$135.00
Prepaid interest, first (12 days)$303.61
Fees + prepaids$14,045.35
Your down payment is the seller’s equity. You take over the $362,149 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $216,896.68 is due at closing. Uses and sources reconcile at $579,045.35 each. Not a Closing Disclosure.