Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$210,852Cash toward the purchase price.
Closing costs + prepaids$13,138Not just lender fees.
Before credits & paid funds$223,990The complete starting cash picture.
Estimated remaining funds due at closing
$223,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,851.61
Your down payment$210,851.61
Closing costs + prepaids$13,138.26
Total buyer cash needed$223,989.87
Remaining funds due$223,989.87
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%)$1,520.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$401.25
Prepaid interest, first (20 days)$599.77
Fees + prepaids$13,138.26
Your down payment is the seller’s equity. You take over the $304,048 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $223,989.87 is due at closing. Uses and sources reconcile at $528,038.26 each. Not a Closing Disclosure.