Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$198,954Cash toward the purchase price.
Closing costs + prepaids$16,274Not just lender fees.
Before credits & paid funds$215,228The complete starting cash picture.
Estimated remaining funds due at closing
$215,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,953.51
Your down payment$198,953.51
Closing costs + prepaids$16,274.18
Total buyer cash needed$215,227.69
Remaining funds due$215,227.69
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%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,255.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$956.25
Initial HOA (3 months)$225.00
Prepaid interest, first (23 days)$869.71
Fees + prepaids$16,274.18
Your down payment is the seller’s equity. You take over the $451,045 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $215,227.69 is due at closing. Uses and sources reconcile at $666,273.18 each. Not a Closing Disclosure.