Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$206,817Cash toward the purchase price.
Closing costs + prepaids$13,743Not just lender fees.
Before credits & paid funds$220,560The complete starting cash picture.
Estimated remaining funds due at closing
$220,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,817.16
Your down payment$206,817.16
Closing costs + prepaids$13,742.72
Total buyer cash needed$220,559.89
Remaining funds due$220,559.89
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%)$5,689.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (24 days)$773.96
Fees + prepaids$13,742.72
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $568,990 price is paid at closing. A second mortgage can cover part of it. $220,559.89 is due at closing. Uses and sources reconcile at $582,732.72 each. Not a Closing Disclosure.