Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$201,469Cash toward the purchase price.
Closing costs + prepaids$15,820Not just lender fees.
Before credits & paid funds$217,290The complete starting cash picture.
Estimated remaining funds due at closing
$217,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,469.38
Your down payment$201,469.38
Closing costs + prepaids$15,820.19
Total buyer cash needed$217,289.57
Remaining funds due$217,289.57
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,042.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,525.00
Prepaid interest, first (22 days)$684.54
Fees + prepaids$15,820.19
Your down payment is the seller’s equity. You take over the $408,531 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $217,289.57 is due at closing. Uses and sources reconcile at $625,820.19 each. Not a Closing Disclosure.