Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$226,874Cash toward the purchase price.
Closing costs + prepaids$15,410Not just lender fees.
Before credits & paid funds$242,284The complete starting cash picture.
Estimated remaining funds due at closing
$242,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,873.56
Your down payment$226,873.56
Closing costs + prepaids$15,410.03
Total buyer cash needed$242,283.59
Remaining funds due$242,283.59
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%)$6,499.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,115.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$780.00
Initial HOA (3 months)$285.99
Prepaid interest, first (7 days)$260.48
Fees + prepaids$15,410.03
Your down payment is the seller’s equity. You take over the $423,121 balance, so the rest of the $649,995 price is paid at closing. A second mortgage can cover part of it. $242,283.59 is due at closing. Uses and sources reconcile at $665,405.03 each. Not a Closing Disclosure.