Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$237,021Cash toward the purchase price.
Closing costs + prepaids$15,598Not just lender fees.
Before credits & paid funds$252,619The complete starting cash picture.
Estimated remaining funds due at closing
$252,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,020.79
Your down payment$237,020.79
Closing costs + prepaids$15,597.98
Total buyer cash needed$252,618.77
Remaining funds due$252,618.77
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,989.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$543.00
Initial HOA (3 months)$411.00
Prepaid interest, first (27 days)$836.08
Fees + prepaids$15,597.98
Your down payment is the seller’s equity. You take over the $397,979 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $252,618.77 is due at closing. Uses and sources reconcile at $650,597.98 each. Not a Closing Disclosure.