Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$216,397Cash toward the purchase price.
Closing costs + prepaids$15,809Not just lender fees.
Before credits & paid funds$232,206The complete starting cash picture.
Estimated remaining funds due at closing
$232,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,397.13
Your down payment$216,397.13
Closing costs + prepaids$15,809.20
Total buyer cash needed$232,206.33
Remaining funds due$232,206.33
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%)$5,945.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,890.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$805.25
Initial HOA (3 months)$825.00
Prepaid interest, first (27 days)$875.44
Fees + prepaids$15,809.20
Your down payment is the seller’s equity. You take over the $378,103 balance, so the rest of the $594,500 price is paid at closing. A second mortgage can cover part of it. $232,206.33 is due at closing. Uses and sources reconcile at $610,309.20 each. Not a Closing Disclosure.