Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$215,831Cash toward the purchase price.
Closing costs + prepaids$20,230Not just lender fees.
Before credits & paid funds$236,061The complete starting cash picture.
Estimated remaining funds due at closing
$236,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,831.24
Your down payment$215,831.24
Closing costs + prepaids$20,230.21
Total buyer cash needed$236,061.45
Remaining funds due$236,061.45
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,420.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,361.75
Initial HOA (3 months)$1,395.00
Prepaid interest, first (30 days)$2,586.12
Fees + prepaids$20,230.21
Your down payment is the seller’s equity. You take over the $484,069 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $236,061.45 is due at closing. Uses and sources reconcile at $720,130.21 each. Not a Closing Disclosure.