Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$208,848Cash toward the purchase price.
Closing costs + prepaids$17,315Not just lender fees.
Before credits & paid funds$226,163The complete starting cash picture.
Estimated remaining funds due at closing
$226,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,848.13
Your down payment$208,848.13
Closing costs + prepaids$17,314.60
Total buyer cash needed$226,162.73
Remaining funds due$226,162.73
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,380.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,201.00
Initial HOA (3 months)$360.00
Prepaid interest, first (26 days)$1,054.84
Fees + prepaids$17,314.60
Your down payment is the seller’s equity. You take over the $476,152 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $226,162.73 is due at closing. Uses and sources reconcile at $702,314.60 each. Not a Closing Disclosure.