Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$201,363Cash toward the purchase price.
Closing costs + prepaids$16,674Not just lender fees.
Before credits & paid funds$218,037The complete starting cash picture.
Estimated remaining funds due at closing
$218,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,363.36
Your down payment$201,363.36
Closing costs + prepaids$16,673.84
Total buyer cash needed$218,037.19
Remaining funds due$218,037.19
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,192.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,599.75
Initial HOA (3 months)$96.00
Prepaid interest, first (28 days)$918.40
Fees + prepaids$16,673.84
Your down payment is the seller’s equity. You take over the $438,537 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $218,037.19 is due at closing. Uses and sources reconcile at $656,573.84 each. Not a Closing Disclosure.