Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$222,500Cash toward the purchase price.
Closing costs + prepaids$13,449Not just lender fees.
Before credits & paid funds$235,948The complete starting cash picture.
Estimated remaining funds due at closing
$235,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,499.68
Your down payment$222,499.68
Closing costs + prepaids$13,448.82
Total buyer cash needed$235,948.50
Remaining funds due$235,948.50
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,487.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$596.25
Initial HOA (3 months)$276.00
Prepaid interest, first (18 days)$421.06
Fees + prepaids$13,448.82
Your down payment is the seller’s equity. You take over the $297,500 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $235,948.50 is due at closing. Uses and sources reconcile at $533,448.82 each. Not a Closing Disclosure.