Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$202,800Cash toward the purchase price.
Closing costs + prepaids$21,289Not just lender fees.
Before credits & paid funds$224,089The complete starting cash picture.
Estimated remaining funds due at closing
$224,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,799.83
Your down payment$202,799.83
Closing costs + prepaids$21,289.24
Total buyer cash needed$224,089.07
Remaining funds due$224,089.07
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%)$6,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,310.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$4,255.75
Prepaid interest, first (31 days)$2,605.99
Fees + prepaids$21,289.24
Your down payment is the seller’s equity. You take over the $462,100 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $224,089.07 is due at closing. Uses and sources reconcile at $686,189.24 each. Not a Closing Disclosure.