Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$205,794Cash toward the purchase price.
Closing costs + prepaids$13,302Not just lender fees.
Before credits & paid funds$219,097The complete starting cash picture.
Estimated remaining funds due at closing
$219,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,794.14
Your down payment$205,794.14
Closing costs + prepaids$13,302.40
Total buyer cash needed$219,096.54
Remaining funds due$219,096.54
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%)$5,249.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,596.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$508.25
Prepaid interest, first (19 days)$480.20
Fees + prepaids$13,302.40
Your down payment is the seller’s equity. You take over the $319,201 balance, so the rest of the $524,995 price is paid at closing. A second mortgage can cover part of it. $219,096.54 is due at closing. Uses and sources reconcile at $538,297.40 each. Not a Closing Disclosure.