Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$233,937Cash toward the purchase price.
Closing costs + prepaids$16,523Not just lender fees.
Before credits & paid funds$250,460The complete starting cash picture.
Estimated remaining funds due at closing
$250,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,936.64
Your down payment$233,936.64
Closing costs + prepaids$16,523.23
Total buyer cash needed$250,459.87
Remaining funds due$250,459.87
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%)$6,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,254.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$669.00
Initial HOA (3 months)$315.00
Prepaid interest, first (27 days)$967.41
Fees + prepaids$16,523.23
Your down payment is the seller’s equity. You take over the $450,963 balance, so the rest of the $684,900 price is paid at closing. A second mortgage can cover part of it. $250,459.87 is due at closing. Uses and sources reconcile at $701,423.23 each. Not a Closing Disclosure.