Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$181,702Cash toward the purchase price.
Closing costs + prepaids$12,782Not just lender fees.
Before credits & paid funds$194,484The complete starting cash picture.
Estimated remaining funds due at closing
$194,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,701.89
Your down payment$181,701.89
Closing costs + prepaids$12,781.71
Total buyer cash needed$194,483.60
Remaining funds due$194,483.60
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,690.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$368.50
Prepaid interest, first (2 days)$55.22
Fees + prepaids$12,781.71
Your down payment is the seller’s equity. You take over the $338,198 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $194,483.60 is due at closing. Uses and sources reconcile at $532,681.71 each. Not a Closing Disclosure.