Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$209,497Cash toward the purchase price.
Closing costs + prepaids$12,870Not just lender fees.
Before credits & paid funds$222,367The complete starting cash picture.
Estimated remaining funds due at closing
$222,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,496.89
Your down payment$209,496.89
Closing costs + prepaids$12,869.84
Total buyer cash needed$222,366.73
Remaining funds due$222,366.73
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%)$1,652.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$300.25
Prepaid interest, first (2 days)$49.08
Fees + prepaids$12,869.84
Your down payment is the seller’s equity. You take over the $330,503 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $222,366.73 is due at closing. Uses and sources reconcile at $552,869.84 each. Not a Closing Disclosure.