Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$208,374Cash toward the purchase price.
Closing costs + prepaids$18,067Not just lender fees.
Before credits & paid funds$226,440The complete starting cash picture.
Estimated remaining funds due at closing
$226,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,373.50
Your down payment$208,373.50
Closing costs + prepaids$18,066.51
Total buyer cash needed$226,440.01
Remaining funds due$226,440.01
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%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,208.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,505.75
Initial HOA (3 months)$1,332.00
Prepaid interest, first (30 days)$1,052.64
Fees + prepaids$18,066.51
Your down payment is the seller’s equity. You take over the $441,625 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $226,440.01 is due at closing. Uses and sources reconcile at $668,065.51 each. Not a Closing Disclosure.