Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$189,240Cash toward the purchase price.
Closing costs + prepaids$18,333Not just lender fees.
Before credits & paid funds$207,572The complete starting cash picture.
Estimated remaining funds due at closing
$207,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,239.71
Your down payment$189,239.71
Closing costs + prepaids$18,332.65
Total buyer cash needed$207,572.36
Remaining funds due$207,572.36
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%)$6,998.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,553.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$742.75
Initial HOA (3 months)$129.99
Prepaid interest, first (31 days)$2,439.62
Fees + prepaids$18,332.65
Your down payment is the seller’s equity. You take over the $510,659 balance, so the rest of the $699,899 price is paid at closing. A second mortgage can cover part of it. $207,572.36 is due at closing. Uses and sources reconcile at $718,231.65 each. Not a Closing Disclosure.