Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$217,792Cash toward the purchase price.
Closing costs + prepaids$14,966Not just lender fees.
Before credits & paid funds$232,758The complete starting cash picture.
Estimated remaining funds due at closing
$232,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,792.49
Your down payment$217,792.49
Closing costs + prepaids$14,965.98
Total buyer cash needed$232,758.47
Remaining funds due$232,758.47
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,961.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$642.00
Prepaid interest, first (27 days)$794.95
Fees + prepaids$14,965.98
Your down payment is the seller’s equity. You take over the $392,208 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $232,758.47 is due at closing. Uses and sources reconcile at $624,965.98 each. Not a Closing Disclosure.