Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$235,844Cash toward the purchase price.
Closing costs + prepaids$15,760Not just lender fees.
Before credits & paid funds$251,604The complete starting cash picture.
Estimated remaining funds due at closing
$251,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,844.12
Your down payment$235,844.12
Closing costs + prepaids$15,760.02
Total buyer cash needed$251,604.15
Remaining funds due$251,604.15
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%)$6,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,905.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$595.75
Initial HOA (3 months)$165.00
Prepaid interest, first (23 days)$1,455.49
Fees + prepaids$15,760.02
Your down payment is the seller’s equity. You take over the $381,156 balance, so the rest of the $617,000 price is paid at closing. A second mortgage can cover part of it. $251,604.15 is due at closing. Uses and sources reconcile at $632,760.02 each. Not a Closing Disclosure.