Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$206,817Cash toward the purchase price.
Closing costs + prepaids$14,581Not just lender fees.
Before credits & paid funds$221,398The complete starting cash picture.
Estimated remaining funds due at closing
$221,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,817.16
Your down payment$206,817.16
Closing costs + prepaids$14,581.01
Total buyer cash needed$221,398.17
Remaining funds due$221,398.17
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%)$5,689.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,451.00
Prepaid interest, first (5 days)$161.24
Fees + prepaids$14,581.01
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $568,990 price is paid at closing. A second mortgage can cover part of it. $221,398.17 is due at closing. Uses and sources reconcile at $583,571.01 each. Not a Closing Disclosure.