Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$197,914Cash toward the purchase price.
Closing costs + prepaids$22,416Not just lender fees.
Before credits & paid funds$220,330The complete starting cash picture.
Estimated remaining funds due at closing
$220,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,914.20
Your down payment$197,914.20
Closing costs + prepaids$22,416.18
Total buyer cash needed$220,330.38
Remaining funds due$220,330.38
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%)$8,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,510.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,250.00
Prepaid interest, first (27 days)$1,438.50
Fees + prepaids$22,416.18
Your down payment is the seller’s equity. You take over the $702,036 balance, so the rest of the $899,950 price is paid at closing. A second mortgage can cover part of it. $220,330.38 is due at closing. Uses and sources reconcile at $922,366.18 each. Not a Closing Disclosure.