Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$224,664Cash toward the purchase price.
Closing costs + prepaids$19,130Not just lender fees.
Before credits & paid funds$243,793The complete starting cash picture.
Estimated remaining funds due at closing
$243,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,663.52
Your down payment$224,663.52
Closing costs + prepaids$19,129.88
Total buyer cash needed$243,793.40
Remaining funds due$243,793.40
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%)$6,288.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,021.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,572.25
Initial HOA (3 months)$1,980.00
Prepaid interest, first (25 days)$1,799.63
Fees + prepaids$19,129.88
Your down payment is the seller’s equity. You take over the $404,224 balance, so the rest of the $628,888 price is paid at closing. A second mortgage can cover part of it. $243,793.40 is due at closing. Uses and sources reconcile at $648,017.88 each. Not a Closing Disclosure.