Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$201,775Cash toward the purchase price.
Closing costs + prepaids$17,020Not just lender fees.
Before credits & paid funds$218,795The complete starting cash picture.
Estimated remaining funds due at closing
$218,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,775.19
Your down payment$201,775.19
Closing costs + prepaids$17,019.98
Total buyer cash needed$218,795.17
Remaining funds due$218,795.17
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%)$6,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,161.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$592.50
Prepaid interest, first (30 days)$2,458.35
Fees + prepaids$17,019.98
Your down payment is the seller’s equity. You take over the $432,225 balance, so the rest of the $634,000 price is paid at closing. A second mortgage can cover part of it. $218,795.17 is due at closing. Uses and sources reconcile at $651,019.98 each. Not a Closing Disclosure.