Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$195,236Cash toward the purchase price.
Closing costs + prepaids$15,866Not just lender fees.
Before credits & paid funds$211,101The complete starting cash picture.
Estimated remaining funds due at closing
$211,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,235.53
Your down payment$195,235.53
Closing costs + prepaids$15,865.94
Total buyer cash needed$211,101.47
Remaining funds due$211,101.47
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,098.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,113.75
Initial HOA (3 months)$50.01
Prepaid interest, first (28 days)$985.35
Fees + prepaids$15,865.94
Your down payment is the seller’s equity. You take over the $419,764 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $211,101.47 is due at closing. Uses and sources reconcile at $630,865.94 each. Not a Closing Disclosure.