Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$237,619Cash toward the purchase price.
Closing costs + prepaids$15,937Not just lender fees.
Before credits & paid funds$253,556The complete starting cash picture.
Estimated remaining funds due at closing
$253,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,618.87
Your down payment$237,618.87
Closing costs + prepaids$15,936.83
Total buyer cash needed$253,555.70
Remaining funds due$253,555.70
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,036.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$774.00
Initial HOA (3 months)$555.00
Prepaid interest, first (9 days)$652.93
Fees + prepaids$15,936.83
Your down payment is the seller’s equity. You take over the $407,381 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $253,555.70 is due at closing. Uses and sources reconcile at $660,936.83 each. Not a Closing Disclosure.