Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$196,895Cash toward the purchase price.
Closing costs + prepaids$17,627Not just lender fees.
Before credits & paid funds$214,523The complete starting cash picture.
Estimated remaining funds due at closing
$214,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,895.47
Your down payment$196,895.47
Closing costs + prepaids$17,627.42
Total buyer cash needed$214,522.89
Remaining funds due$214,522.89
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,310.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,250.50
Prepaid interest, first (27 days)$1,008.40
Fees + prepaids$17,627.42
Your down payment is the seller’s equity. You take over the $462,105 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $214,522.89 is due at closing. Uses and sources reconcile at $676,627.42 each. Not a Closing Disclosure.