Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$218,419Cash toward the purchase price.
Closing costs + prepaids$17,019Not just lender fees.
Before credits & paid funds$235,438The complete starting cash picture.
Estimated remaining funds due at closing
$235,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,419.14
Your down payment$218,419.14
Closing costs + prepaids$17,019.09
Total buyer cash needed$235,438.23
Remaining funds due$235,438.23
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%)$1,982.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,041.25
Initial HOA (3 months)$534.99
Prepaid interest, first (27 days)$841.95
Fees + prepaids$17,019.09
Your down payment is the seller’s equity. You take over the $396,581 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $235,438.23 is due at closing. Uses and sources reconcile at $632,019.09 each. Not a Closing Disclosure.