Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$236,944Cash toward the purchase price.
Closing costs + prepaids$17,193Not just lender fees.
Before credits & paid funds$254,136The complete starting cash picture.
Estimated remaining funds due at closing
$254,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,943.69
Your down payment$236,943.69
Closing costs + prepaids$17,192.54
Total buyer cash needed$254,136.23
Remaining funds due$254,136.23
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%)$6,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,130.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,657.50
Initial HOA (3 months)$372.00
Prepaid interest, first (28 days)$934.76
Fees + prepaids$17,192.54
Your down payment is the seller’s equity. You take over the $426,056 balance, so the rest of the $663,000 price is paid at closing. A second mortgage can cover part of it. $254,136.23 is due at closing. Uses and sources reconcile at $680,192.54 each. Not a Closing Disclosure.