Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$219,939Cash toward the purchase price.
Closing costs + prepaids$16,879Not just lender fees.
Before credits & paid funds$236,818The complete starting cash picture.
Estimated remaining funds due at closing
$236,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,939.09
Your down payment$219,939.09
Closing costs + prepaids$16,878.65
Total buyer cash needed$236,817.74
Remaining funds due$236,817.74
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%)$6,437.58
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,119.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,609.50
Initial HOA (3 months)$282.00
Prepaid interest, first (27 days)$962.48
Fees + prepaids$16,878.65
Your down payment is the seller’s equity. You take over the $423,819 balance, so the rest of the $643,758 price is paid at closing. A second mortgage can cover part of it. $236,817.74 is due at closing. Uses and sources reconcile at $660,636.65 each. Not a Closing Disclosure.