Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$217,642Cash toward the purchase price.
Closing costs + prepaids$13,740Not just lender fees.
Before credits & paid funds$231,382The complete starting cash picture.
Estimated remaining funds due at closing
$231,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,641.86
Your down payment$217,641.86
Closing costs + prepaids$13,740.09
Total buyer cash needed$231,381.94
Remaining funds due$231,381.94
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%)$5,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,596.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$644.50
Initial HOA (3 months)$434.01
Prepaid interest, first (9 days)$226.79
Fees + prepaids$13,740.09
Your down payment is the seller’s equity. You take over the $319,358 balance, so the rest of the $537,000 price is paid at closing. A second mortgage can cover part of it. $231,381.94 is due at closing. Uses and sources reconcile at $550,740.09 each. Not a Closing Disclosure.