Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$220,600Cash toward the purchase price.
Closing costs + prepaids$16,633Not just lender fees.
Before credits & paid funds$237,232The complete starting cash picture.
Estimated remaining funds due at closing
$237,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,599.53
Your down payment$220,599.53
Closing costs + prepaids$16,632.82
Total buyer cash needed$237,232.35
Remaining funds due$237,232.35
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,142.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,622.50
Prepaid interest, first (28 days)$910.32
Fees + prepaids$16,632.82
Your down payment is the seller’s equity. You take over the $428,400 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $237,232.35 is due at closing. Uses and sources reconcile at $665,632.82 each. Not a Closing Disclosure.