Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$199,573Cash toward the purchase price.
Closing costs + prepaids$15,096Not just lender fees.
Before credits & paid funds$214,668The complete starting cash picture.
Estimated remaining funds due at closing
$214,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,572.66
Your down payment$199,572.66
Closing costs + prepaids$15,095.59
Total buyer cash needed$214,668.25
Remaining funds due$214,668.25
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%)$6,237.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,120.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$176.75
Prepaid interest, first (24 days)$1,093.20
Fees + prepaids$15,095.59
Your down payment is the seller’s equity. You take over the $424,127 balance, so the rest of the $623,700 price is paid at closing. A second mortgage can cover part of it. $214,668.25 is due at closing. Uses and sources reconcile at $638,795.59 each. Not a Closing Disclosure.