Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$184,409Cash toward the purchase price.
Closing costs + prepaids$13,845Not just lender fees.
Before credits & paid funds$198,254The complete starting cash picture.
Estimated remaining funds due at closing
$198,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,408.77
Your down payment$184,408.77
Closing costs + prepaids$13,845.06
Total buyer cash needed$198,253.83
Remaining funds due$198,253.83
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,752.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$642.00
Initial HOA (3 months)$384.00
Prepaid interest, first (9 days)$248.10
Fees + prepaids$13,845.06
Your down payment is the seller’s equity. You take over the $350,591 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $198,253.83 is due at closing. Uses and sources reconcile at $548,845.06 each. Not a Closing Disclosure.