Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$192,962Cash toward the purchase price.
Closing costs + prepaids$13,558Not just lender fees.
Before credits & paid funds$206,520The complete starting cash picture.
Estimated remaining funds due at closing
$206,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,961.68
Your down payment$192,961.68
Closing costs + prepaids$13,558.49
Total buyer cash needed$206,520.16
Remaining funds due$206,520.16
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,680.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$526.75
Prepaid interest, first (21 days)$593.54
Fees + prepaids$13,558.49
Your down payment is the seller’s equity. You take over the $336,038 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $206,520.16 is due at closing. Uses and sources reconcile at $542,558.49 each. Not a Closing Disclosure.