Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$201,644Cash toward the purchase price.
Closing costs + prepaids$21,607Not just lender fees.
Before credits & paid funds$223,251The complete starting cash picture.
Estimated remaining funds due at closing
$223,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,644.15
Your down payment$201,644.15
Closing costs + prepaids$21,607.13
Total buyer cash needed$223,251.28
Remaining funds due$223,251.28
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%)$8,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,041.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$715.25
Initial HOA (3 months)$399.00
Prepaid interest, first (30 days)$3,134.60
Fees + prepaids$21,607.13
Your down payment is the seller’s equity. You take over the $608,256 balance, so the rest of the $809,900 price is paid at closing. A second mortgage can cover part of it. $223,251.28 is due at closing. Uses and sources reconcile at $831,507.13 each. Not a Closing Disclosure.