Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$237,619Cash toward the purchase price.
Closing costs + prepaids$16,009Not just lender fees.
Before credits & paid funds$253,628The complete starting cash picture.
Estimated remaining funds due at closing
$253,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,618.87
Your down payment$237,618.87
Closing costs + prepaids$16,009.38
Total buyer cash needed$253,628.25
Remaining funds due$253,628.25
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,036.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$774.00
Initial HOA (3 months)$555.00
Prepaid interest, first (10 days)$725.47
Fees + prepaids$16,009.38
Your down payment is the seller’s equity. You take over the $407,381 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $253,628.25 is due at closing. Uses and sources reconcile at $661,009.38 each. Not a Closing Disclosure.