Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$202,648Cash toward the purchase price.
Closing costs + prepaids$19,980Not just lender fees.
Before credits & paid funds$222,629The complete starting cash picture.
Estimated remaining funds due at closing
$222,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,648.31
Your down payment$202,648.31
Closing costs + prepaids$19,980.33
Total buyer cash needed$222,628.64
Remaining funds due$222,628.64
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,061.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Prepaid interest, first (23 days)$2,550.57
Fees + prepaids$19,980.33
Your down payment is the seller’s equity. You take over the $612,352 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $222,628.64 is due at closing. Uses and sources reconcile at $834,980.33 each. Not a Closing Disclosure.