Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$217,666Cash toward the purchase price.
Closing costs + prepaids$20,725Not just lender fees.
Before credits & paid funds$238,390The complete starting cash picture.
Estimated remaining funds due at closing
$238,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,665.69
Your down payment$217,665.69
Closing costs + prepaids$20,724.69
Total buyer cash needed$238,390.38
Remaining funds due$238,390.38
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%)$9,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,486.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,098.00
Initial HOA (3 months)$200.01
Prepaid interest, first (6 days)$572.01
Fees + prepaids$20,724.69
Your down payment is the seller’s equity. You take over the $697,334 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $238,390.38 is due at closing. Uses and sources reconcile at $935,724.69 each. Not a Closing Disclosure.