Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$211,496Cash toward the purchase price.
Closing costs + prepaids$17,414Not just lender fees.
Before credits & paid funds$228,910The complete starting cash picture.
Estimated remaining funds due at closing
$228,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,495.63
Your down payment$211,495.63
Closing costs + prepaids$17,414.13
Total buyer cash needed$228,909.76
Remaining funds due$228,909.76
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%)$2,142.02
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)$957.00
Prepaid interest, first (26 days)$848.36
Fees + prepaids$17,414.13
Your down payment is the seller’s equity. You take over the $428,404 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $228,909.76 is due at closing. Uses and sources reconcile at $657,314.13 each. Not a Closing Disclosure.