Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$200,948Cash toward the purchase price.
Closing costs + prepaids$15,684Not just lender fees.
Before credits & paid funds$216,632The complete starting cash picture.
Estimated remaining funds due at closing
$216,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,947.98
Your down payment$200,947.98
Closing costs + prepaids$15,684.12
Total buyer cash needed$216,632.10
Remaining funds due$216,632.10
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,095.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$459.50
Initial HOA (3 months)$37.50
Prepaid interest, first (18 days)$1,423.86
Fees + prepaids$15,684.12
Your down payment is the seller’s equity. You take over the $419,052 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $216,632.10 is due at closing. Uses and sources reconcile at $635,684.12 each. Not a Closing Disclosure.