Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$214,587Cash toward the purchase price.
Closing costs + prepaids$15,397Not just lender fees.
Before credits & paid funds$229,984The complete starting cash picture.
Estimated remaining funds due at closing
$229,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,586.76
Your down payment$214,586.76
Closing costs + prepaids$15,397.23
Total buyer cash needed$229,983.99
Remaining funds due$229,983.99
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%)$6,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,089.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.25
Initial HOA (3 months)$300.00
Prepaid interest, first (21 days)$656.41
Fees + prepaids$15,397.23
Your down payment is the seller’s equity. You take over the $417,913 balance, so the rest of the $632,500 price is paid at closing. A second mortgage can cover part of it. $229,983.99 is due at closing. Uses and sources reconcile at $647,897.23 each. Not a Closing Disclosure.