Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$218,569Cash toward the purchase price.
Closing costs + prepaids$12,960Not just lender fees.
Before credits & paid funds$231,530The complete starting cash picture.
Estimated remaining funds due at closing
$231,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,569.34
Your down payment$218,569.34
Closing costs + prepaids$12,960.42
Total buyer cash needed$231,529.75
Remaining funds due$231,529.75
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,457.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$612.00
Initial HOA (3 months)$192.00
Prepaid interest, first (6 days)$131.26
Fees + prepaids$12,960.42
Your down payment is the seller’s equity. You take over the $291,431 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $231,529.75 is due at closing. Uses and sources reconcile at $522,960.42 each. Not a Closing Disclosure.