Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$201,644Cash toward the purchase price.
Closing costs + prepaids$19,983Not just lender fees.
Before credits & paid funds$221,627The complete starting cash picture.
Estimated remaining funds due at closing
$221,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,644.15
Your down payment$201,644.15
Closing costs + prepaids$19,983.12
Total buyer cash needed$221,627.27
Remaining funds due$221,627.27
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%)$8,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,041.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$972.00
Initial HOA (3 months)$399.00
Prepaid interest, first (12 days)$1,253.84
Fees + prepaids$19,983.12
Your down payment is the seller’s equity. You take over the $608,256 balance, so the rest of the $809,900 price is paid at closing. A second mortgage can cover part of it. $221,627.27 is due at closing. Uses and sources reconcile at $829,883.12 each. Not a Closing Disclosure.