Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$236,152Cash toward the purchase price.
Closing costs + prepaids$16,686Not just lender fees.
Before credits & paid funds$252,838The complete starting cash picture.
Estimated remaining funds due at closing
$252,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,152.25
Your down payment$236,152.25
Closing costs + prepaids$16,686.03
Total buyer cash needed$252,838.28
Remaining funds due$252,838.28
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,044.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,398.25
Initial HOA (3 months)$99.00
Prepaid interest, first (30 days)$1,226.54
Fees + prepaids$16,686.03
Your down payment is the seller’s equity. You take over the $408,848 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $252,838.28 is due at closing. Uses and sources reconcile at $661,686.03 each. Not a Closing Disclosure.