Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$220,837Cash toward the purchase price.
Closing costs + prepaids$15,789Not just lender fees.
Before credits & paid funds$236,626The complete starting cash picture.
Estimated remaining funds due at closing
$236,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,837.12
Your down payment$220,837.12
Closing costs + prepaids$15,788.71
Total buyer cash needed$236,625.83
Remaining funds due$236,625.83
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,145.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,245.25
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$35.15
Fees + prepaids$15,788.71
Your down payment is the seller’s equity. You take over the $429,063 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $236,625.83 is due at closing. Uses and sources reconcile at $665,688.71 each. Not a Closing Disclosure.