Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$214,074Cash toward the purchase price.
Closing costs + prepaids$17,142Not just lender fees.
Before credits & paid funds$231,217The complete starting cash picture.
Estimated remaining funds due at closing
$231,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,074.43
Your down payment$214,074.43
Closing costs + prepaids$17,142.48
Total buyer cash needed$231,216.92
Remaining funds due$231,216.92
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,174.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,905.75
Initial HOA (3 months)$270.00
Prepaid interest, first (28 days)$834.10
Fees + prepaids$17,142.48
Your down payment is the seller’s equity. You take over the $434,926 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $231,216.92 is due at closing. Uses and sources reconcile at $666,142.48 each. Not a Closing Disclosure.