Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$221,177Cash toward the purchase price.
Closing costs + prepaids$15,514Not just lender fees.
Before credits & paid funds$236,691The complete starting cash picture.
Estimated remaining funds due at closing
$236,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,176.56
Your down payment$221,176.56
Closing costs + prepaids$15,514.01
Total buyer cash needed$236,690.58
Remaining funds due$236,690.58
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%)$6,249.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$20.50
Initial HOA (3 months)$570.00
Prepaid interest, first (22 days)$1,186.55
Fees + prepaids$15,514.01
Your down payment is the seller’s equity. You take over the $403,813 balance, so the rest of the $624,990 price is paid at closing. A second mortgage can cover part of it. $236,690.58 is due at closing. Uses and sources reconcile at $640,504.01 each. Not a Closing Disclosure.