Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$215,317Cash toward the purchase price.
Closing costs + prepaids$21,857Not just lender fees.
Before credits & paid funds$237,174The complete starting cash picture.
Estimated remaining funds due at closing
$237,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,317.01
Your down payment$215,317.01
Closing costs + prepaids$21,857.20
Total buyer cash needed$237,174.21
Remaining funds due$237,174.21
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,998.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,564.50
Initial HOA (3 months)$17.25
Prepaid interest, first (26 days)$2,909.04
Fees + prepaids$21,857.20
Your down payment is the seller’s equity. You take over the $599,683 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $237,174.21 is due at closing. Uses and sources reconcile at $836,857.20 each. Not a Closing Disclosure.