Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$210,121Cash toward the purchase price.
Closing costs + prepaids$16,072Not just lender fees.
Before credits & paid funds$226,192The complete starting cash picture.
Estimated remaining funds due at closing
$226,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,120.52
Your down payment$210,120.52
Closing costs + prepaids$16,071.56
Total buyer cash needed$226,192.08
Remaining funds due$226,192.08
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,244.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.50
Prepaid interest, first (27 days)$1,120.66
Fees + prepaids$16,071.56
Your down payment is the seller’s equity. You take over the $448,879 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $226,192.08 is due at closing. Uses and sources reconcile at $675,071.56 each. Not a Closing Disclosure.