Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$188,371Cash toward the purchase price.
Closing costs + prepaids$15,545Not just lender fees.
Before credits & paid funds$203,916The complete starting cash picture.
Estimated remaining funds due at closing
$203,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,371.22
Your down payment$188,371.22
Closing costs + prepaids$15,544.63
Total buyer cash needed$203,915.85
Remaining funds due$203,915.85
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%)$6,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,308.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$236.00
Prepaid interest, first (23 days)$1,032.63
Fees + prepaids$15,544.63
Your down payment is the seller’s equity. You take over the $461,619 balance, so the rest of the $649,990 price is paid at closing. A second mortgage can cover part of it. $203,915.85 is due at closing. Uses and sources reconcile at $665,534.63 each. Not a Closing Disclosure.