Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$177,290Cash toward the purchase price.
Closing costs + prepaids$17,102Not just lender fees.
Before credits & paid funds$194,392The complete starting cash picture.
Estimated remaining funds due at closing
$194,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,289.56
Your down payment$177,289.56
Closing costs + prepaids$17,102.17
Total buyer cash needed$194,391.73
Remaining funds due$194,391.73
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,358.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,622.50
Prepaid interest, first (18 days)$1,163.12
Fees + prepaids$17,102.17
Your down payment is the seller’s equity. You take over the $471,710 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $194,391.73 is due at closing. Uses and sources reconcile at $666,102.17 each. Not a Closing Disclosure.