Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$219,957Cash toward the purchase price.
Closing costs + prepaids$15,302Not just lender fees.
Before credits & paid funds$235,259The complete starting cash picture.
Estimated remaining funds due at closing
$235,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,957.05
Your down payment$219,957.05
Closing costs + prepaids$15,302.12
Total buyer cash needed$235,259.17
Remaining funds due$235,259.17
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,150.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$366.00
Prepaid interest, first (26 days)$817.91
Fees + prepaids$15,302.12
Your down payment is the seller’s equity. You take over the $430,043 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $235,259.17 is due at closing. Uses and sources reconcile at $665,302.12 each. Not a Closing Disclosure.