Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$236,991Cash toward the purchase price.
Closing costs + prepaids$15,968Not just lender fees.
Before credits & paid funds$252,959The complete starting cash picture.
Estimated remaining funds due at closing
$252,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,991.17
Your down payment$236,991.17
Closing costs + prepaids$15,967.94
Total buyer cash needed$252,959.11
Remaining funds due$252,959.11
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%)$6,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,905.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$337.00
Initial HOA (3 months)$36.00
Prepaid interest, first (31 days)$2,041.89
Fees + prepaids$15,967.94
Your down payment is the seller’s equity. You take over the $381,009 balance, so the rest of the $618,000 price is paid at closing. A second mortgage can cover part of it. $252,959.11 is due at closing. Uses and sources reconcile at $633,967.94 each. Not a Closing Disclosure.