Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$238,175Cash toward the purchase price.
Closing costs + prepaids$17,576Not just lender fees.
Before credits & paid funds$255,751The complete starting cash picture.
Estimated remaining funds due at closing
$255,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,174.88
Your down payment$238,174.88
Closing costs + prepaids$17,576.11
Total buyer cash needed$255,750.98
Remaining funds due$255,750.98
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,008.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,599.75
Initial HOA (3 months)$1,245.00
Prepaid interest, first (25 days)$855.73
Fees + prepaids$17,576.11
Your down payment is the seller’s equity. You take over the $401,725 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $255,750.98 is due at closing. Uses and sources reconcile at $657,476.11 each. Not a Closing Disclosure.