Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$201,334Cash toward the purchase price.
Closing costs + prepaids$20,638Not just lender fees.
Before credits & paid funds$221,972The complete starting cash picture.
Estimated remaining funds due at closing
$221,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,334.18
Your down payment$201,334.18
Closing costs + prepaids$20,638.22
Total buyer cash needed$221,972.39
Remaining funds due$221,972.39
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%)$8,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,042.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$557.50
Initial HOA (3 months)$399.00
Prepaid interest, first (22 days)$2,321.89
Fees + prepaids$20,638.22
Your down payment is the seller’s equity. You take over the $608,566 balance, so the rest of the $809,900 price is paid at closing. A second mortgage can cover part of it. $221,972.39 is due at closing. Uses and sources reconcile at $830,538.22 each. Not a Closing Disclosure.