Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$223,341Cash toward the purchase price.
Closing costs + prepaids$14,666Not just lender fees.
Before credits & paid funds$238,007The complete starting cash picture.
Estimated remaining funds due at closing
$238,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,340.57
Your down payment$223,340.57
Closing costs + prepaids$14,666.27
Total buyer cash needed$238,006.84
Remaining funds due$238,006.84
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%)$6,274.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,020.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$753.00
Prepaid interest, first (6 days)$149.48
Fees + prepaids$14,666.27
Your down payment is the seller’s equity. You take over the $404,158 balance, so the rest of the $627,499 price is paid at closing. A second mortgage can cover part of it. $238,006.84 is due at closing. Uses and sources reconcile at $642,165.27 each. Not a Closing Disclosure.