Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$208,163Cash toward the purchase price.
Closing costs + prepaids$16,988Not just lender fees.
Before credits & paid funds$225,151The complete starting cash picture.
Estimated remaining funds due at closing
$225,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,162.78
Your down payment$208,162.78
Closing costs + prepaids$16,988.18
Total buyer cash needed$225,150.95
Remaining funds due$225,150.95
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,158.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$531.75
Prepaid interest, first (30 days)$2,430.74
Fees + prepaids$16,988.18
Your down payment is the seller’s equity. You take over the $431,737 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $225,150.95 is due at closing. Uses and sources reconcile at $656,888.18 each. Not a Closing Disclosure.