Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$210,294Cash toward the purchase price.
Closing costs + prepaids$13,605Not just lender fees.
Before credits & paid funds$223,899The complete starting cash picture.
Estimated remaining funds due at closing
$223,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,293.78
Your down payment$210,293.78
Closing costs + prepaids$13,605.16
Total buyer cash needed$223,898.94
Remaining funds due$223,898.94
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,648.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.00
Prepaid interest, first (18 days)$440.63
Fees + prepaids$13,605.16
Your down payment is the seller’s equity. You take over the $329,706 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $223,898.94 is due at closing. Uses and sources reconcile at $553,605.16 each. Not a Closing Disclosure.