Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$197,648Cash toward the purchase price.
Closing costs + prepaids$20,064Not just lender fees.
Before credits & paid funds$217,712The complete starting cash picture.
Estimated remaining funds due at closing
$217,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,648.38
Your down payment$197,648.38
Closing costs + prepaids$20,063.96
Total buyer cash needed$217,712.34
Remaining funds due$217,712.34
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,586.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,787.50
Prepaid interest, first (26 days)$2,321.70
Fees + prepaids$20,063.96
Your down payment is the seller’s equity. You take over the $517,352 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $217,712.34 is due at closing. Uses and sources reconcile at $735,063.96 each. Not a Closing Disclosure.