Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$203,086Cash toward the purchase price.
Closing costs + prepaids$17,367Not just lender fees.
Before credits & paid funds$220,453The complete starting cash picture.
Estimated remaining funds due at closing
$220,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,086.17
Your down payment$203,086.17
Closing costs + prepaids$17,366.80
Total buyer cash needed$220,452.97
Remaining funds due$220,452.97
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,234.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,075.75
Prepaid interest, first (28 days)$1,089.98
Fees + prepaids$17,366.80
Your down payment is the seller’s equity. You take over the $446,814 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $220,452.97 is due at closing. Uses and sources reconcile at $667,266.80 each. Not a Closing Disclosure.