Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$205,754Cash toward the purchase price.
Closing costs + prepaids$16,910Not just lender fees.
Before credits & paid funds$222,664The complete starting cash picture.
Estimated remaining funds due at closing
$222,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,753.66
Your down payment$205,753.66
Closing costs + prepaids$16,910.33
Total buyer cash needed$222,663.98
Remaining funds due$222,663.98
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%)$6,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,320.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,200.50
Initial HOA (3 months)$276.00
Prepaid interest, first (24 days)$946.10
Fees + prepaids$16,910.33
Your down payment is the seller’s equity. You take over the $464,146 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $222,663.98 is due at closing. Uses and sources reconcile at $686,810.33 each. Not a Closing Disclosure.