Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$214,064Cash toward the purchase price.
Closing costs + prepaids$13,310Not just lender fees.
Before credits & paid funds$227,374The complete starting cash picture.
Estimated remaining funds due at closing
$227,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,064.06
Your down payment$214,064.06
Closing costs + prepaids$13,310.39
Total buyer cash needed$227,374.44
Remaining funds due$227,374.44
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,504.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$415.25
Prepaid interest, first (27 days)$772.46
Fees + prepaids$13,310.39
Your down payment is the seller’s equity. You take over the $300,936 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $227,374.44 is due at closing. Uses and sources reconcile at $528,310.39 each. Not a Closing Disclosure.