Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$230,742Cash toward the purchase price.
Closing costs + prepaids$14,899Not just lender fees.
Before credits & paid funds$245,640The complete starting cash picture.
Estimated remaining funds due at closing
$245,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,741.57
Your down payment$230,741.57
Closing costs + prepaids$14,898.76
Total buyer cash needed$245,640.33
Remaining funds due$245,640.33
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%)$6,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,020.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$762.00
Prepaid interest, first (12 days)$298.97
Fees + prepaids$14,898.76
Your down payment is the seller’s equity. You take over the $404,158 balance, so the rest of the $634,900 price is paid at closing. A second mortgage can cover part of it. $245,640.33 is due at closing. Uses and sources reconcile at $649,798.76 each. Not a Closing Disclosure.