Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$187,067Cash toward the purchase price.
Closing costs + prepaids$17,034Not just lender fees.
Before credits & paid funds$204,101The complete starting cash picture.
Estimated remaining funds due at closing
$204,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,066.89
Your down payment$187,066.89
Closing costs + prepaids$17,034.30
Total buyer cash needed$204,101.19
Remaining funds due$204,101.19
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,209.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$940.25
Initial HOA (3 months)$62.01
Prepaid interest, first (25 days)$2,064.37
Fees + prepaids$17,034.30
Your down payment is the seller’s equity. You take over the $441,933 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $204,101.19 is due at closing. Uses and sources reconcile at $646,034.30 each. Not a Closing Disclosure.