Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$214,074Cash toward the purchase price.
Closing costs + prepaids$15,539Not just lender fees.
Before credits & paid funds$229,613The complete starting cash picture.
Estimated remaining funds due at closing
$229,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,074.43
Your down payment$214,074.43
Closing costs + prepaids$15,538.85
Total buyer cash needed$229,613.28
Remaining funds due$229,613.28
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,174.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$778.75
Initial HOA (3 months)$270.00
Prepaid interest, first (12 days)$357.47
Fees + prepaids$15,538.85
Your down payment is the seller’s equity. You take over the $434,926 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $229,613.28 is due at closing. Uses and sources reconcile at $664,538.85 each. Not a Closing Disclosure.