Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$225,947Cash toward the purchase price.
Closing costs + prepaids$15,663Not just lender fees.
Before credits & paid funds$241,610The complete starting cash picture.
Estimated remaining funds due at closing
$241,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,946.65
Your down payment$225,946.65
Closing costs + prepaids$15,663.07
Total buyer cash needed$241,609.72
Remaining funds due$241,609.72
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%)$6,594.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,167.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$377.25
Prepaid interest, first (31 days)$1,056.56
Fees + prepaids$15,663.07
Your down payment is the seller’s equity. You take over the $433,453 balance, so the rest of the $659,400 price is paid at closing. A second mortgage can cover part of it. $241,609.72 is due at closing. Uses and sources reconcile at $675,063.07 each. Not a Closing Disclosure.