Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$233,697Cash toward the purchase price.
Closing costs + prepaids$16,680Not just lender fees.
Before credits & paid funds$250,377The complete starting cash picture.
Estimated remaining funds due at closing
$250,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,697.00
Your down payment$233,697.00
Closing costs + prepaids$16,679.81
Total buyer cash needed$250,376.81
Remaining funds due$250,376.81
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,026.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$427.00
Initial HOA (3 months)$432.00
Prepaid interest, first (31 days)$1,936.29
Fees + prepaids$16,679.81
Your down payment is the seller’s equity. You take over the $405,303 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $250,376.81 is due at closing. Uses and sources reconcile at $655,679.81 each. Not a Closing Disclosure.