Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$222,629Cash toward the purchase price.
Closing costs + prepaids$15,444Not just lender fees.
Before credits & paid funds$238,073The complete starting cash picture.
Estimated remaining funds due at closing
$238,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,628.89
Your down payment$222,628.89
Closing costs + prepaids$15,444.29
Total buyer cash needed$238,073.18
Remaining funds due$238,073.18
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%)$2,131.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$811.25
Prepaid interest, first (15 days)$543.19
Fees + prepaids$15,444.29
Your down payment is the seller’s equity. You take over the $426,371 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $238,073.18 is due at closing. Uses and sources reconcile at $664,444.29 each. Not a Closing Disclosure.