Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$205,828Cash toward the purchase price.
Closing costs + prepaids$15,706Not just lender fees.
Before credits & paid funds$221,533The complete starting cash picture.
Estimated remaining funds due at closing
$221,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,827.64
Your down payment$205,827.64
Closing costs + prepaids$15,705.86
Total buyer cash needed$221,533.49
Remaining funds due$221,533.49
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,220.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$780.00
Initial HOA (3 months)$438.00
Prepaid interest, first (9 days)$298.99
Fees + prepaids$15,705.86
Your down payment is the seller’s equity. You take over the $444,172 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $221,533.49 is due at closing. Uses and sources reconcile at $665,705.86 each. Not a Closing Disclosure.