Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$198,095Cash toward the purchase price.
Closing costs + prepaids$18,697Not just lender fees.
Before credits & paid funds$216,792The complete starting cash picture.
Estimated remaining funds due at closing
$216,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,094.76
Your down payment$198,094.76
Closing costs + prepaids$18,697.27
Total buyer cash needed$216,792.03
Remaining funds due$216,792.03
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,354.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,397.50
Initial HOA (3 months)$273.00
Prepaid interest, first (28 days)$2,514.25
Fees + prepaids$18,697.27
Your down payment is the seller’s equity. You take over the $470,905 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $216,792.03 is due at closing. Uses and sources reconcile at $687,697.27 each. Not a Closing Disclosure.