Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$201,469Cash toward the purchase price.
Closing costs + prepaids$16,069Not just lender fees.
Before credits & paid funds$217,538The complete starting cash picture.
Estimated remaining funds due at closing
$217,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,469.38
Your down payment$201,469.38
Closing costs + prepaids$16,069.12
Total buyer cash needed$217,538.49
Remaining funds due$217,538.49
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,042.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,525.00
Prepaid interest, first (30 days)$933.46
Fees + prepaids$16,069.12
Your down payment is the seller’s equity. You take over the $408,531 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $217,538.49 is due at closing. Uses and sources reconcile at $626,069.12 each. Not a Closing Disclosure.