Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$212,271Cash toward the purchase price.
Closing costs + prepaids$15,956Not just lender fees.
Before credits & paid funds$228,226The complete starting cash picture.
Estimated remaining funds due at closing
$228,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,270.78
Your down payment$212,270.78
Closing costs + prepaids$15,955.54
Total buyer cash needed$228,226.32
Remaining funds due$228,226.32
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%)$6,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,333.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$814.75
Initial HOA (3 months)$75.00
Prepaid interest, first (12 days)$474.15
Fees + prepaids$15,955.54
Your down payment is the seller’s equity. You take over the $466,729 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $228,226.32 is due at closing. Uses and sources reconcile at $694,955.54 each. Not a Closing Disclosure.