Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$221,761Cash toward the purchase price.
Closing costs + prepaids$22,455Not just lender fees.
Before credits & paid funds$244,216The complete starting cash picture.
Estimated remaining funds due at closing
$244,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,760.80
Your down payment$221,760.80
Closing costs + prepaids$22,455.41
Total buyer cash needed$244,216.21
Remaining funds due$244,216.21
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,136.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,217.75
Initial HOA (3 months)$525.00
Prepaid interest, first (26 days)$2,868.46
Fees + prepaids$22,455.41
Your down payment is the seller’s equity. You take over the $627,239 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $244,216.21 is due at closing. Uses and sources reconcile at $871,455.41 each. Not a Closing Disclosure.