Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$214,587Cash toward the purchase price.
Closing costs + prepaids$15,710Not just lender fees.
Before credits & paid funds$230,297The complete starting cash picture.
Estimated remaining funds due at closing
$230,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,586.76
Your down payment$214,586.76
Closing costs + prepaids$15,709.80
Total buyer cash needed$230,296.56
Remaining funds due$230,296.56
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%)$6,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,089.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.25
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$968.99
Fees + prepaids$15,709.80
Your down payment is the seller’s equity. You take over the $417,913 balance, so the rest of the $632,500 price is paid at closing. A second mortgage can cover part of it. $230,296.56 is due at closing. Uses and sources reconcile at $648,209.80 each. Not a Closing Disclosure.