Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$201,481Cash toward the purchase price.
Closing costs + prepaids$19,601Not just lender fees.
Before credits & paid funds$221,082The complete starting cash picture.
Estimated remaining funds due at closing
$221,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,481.22
Your down payment$201,481.22
Closing costs + prepaids$19,600.94
Total buyer cash needed$221,082.16
Remaining funds due$221,082.16
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%)$6,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,412.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,710.00
Initial HOA (3 months)$1,194.00
Prepaid interest, first (23 days)$1,976.34
Fees + prepaids$19,600.94
Your down payment is the seller’s equity. You take over the $482,519 balance, so the rest of the $684,000 price is paid at closing. A second mortgage can cover part of it. $221,082.16 is due at closing. Uses and sources reconcile at $703,600.94 each. Not a Closing Disclosure.