Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$195,369Cash toward the purchase price.
Closing costs + prepaids$17,975Not just lender fees.
Before credits & paid funds$213,344The complete starting cash picture.
Estimated remaining funds due at closing
$213,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,368.83
Your down payment$195,368.83
Closing costs + prepaids$17,974.76
Total buyer cash needed$213,343.60
Remaining funds due$213,343.60
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%)$6,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,173.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,738.75
Initial HOA (3 months)$1,350.00
Prepaid interest, first (23 days)$944.87
Fees + prepaids$17,974.76
Your down payment is the seller’s equity. You take over the $434,630 balance, so the rest of the $629,999 price is paid at closing. A second mortgage can cover part of it. $213,343.60 is due at closing. Uses and sources reconcile at $647,973.76 each. Not a Closing Disclosure.