Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$221,082Cash toward the purchase price.
Closing costs + prepaids$18,430Not just lender fees.
Before credits & paid funds$239,512The complete starting cash picture.
Estimated remaining funds due at closing
$239,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,081.61
Your down payment$221,081.61
Closing costs + prepaids$18,430.45
Total buyer cash needed$239,512.06
Remaining funds due$239,512.06
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%)$6,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,394.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$871.50
Prepaid interest, first (30 days)$2,696.37
Fees + prepaids$18,430.45
Your down payment is the seller’s equity. You take over the $478,917 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $239,512.06 is due at closing. Uses and sources reconcile at $718,429.45 each. Not a Closing Disclosure.