Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$199,854Cash toward the purchase price.
Closing costs + prepaids$15,975Not just lender fees.
Before credits & paid funds$215,828The complete starting cash picture.
Estimated remaining funds due at closing
$215,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,853.66
Your down payment$199,853.66
Closing costs + prepaids$15,974.53
Total buyer cash needed$215,828.19
Remaining funds due$215,828.19
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%)$6,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,320.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$796.75
Initial HOA (3 months)$276.00
Prepaid interest, first (12 days)$473.05
Fees + prepaids$15,974.53
Your down payment is the seller’s equity. You take over the $464,146 balance, so the rest of the $664,000 price is paid at closing. A second mortgage can cover part of it. $215,828.19 is due at closing. Uses and sources reconcile at $679,974.53 each. Not a Closing Disclosure.