Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$221,014Cash toward the purchase price.
Closing costs + prepaids$14,796Not just lender fees.
Before credits & paid funds$235,810The complete starting cash picture.
Estimated remaining funds due at closing
$235,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,013.60
Your down payment$221,013.60
Closing costs + prepaids$14,796.44
Total buyer cash needed$235,810.04
Remaining funds due$235,810.04
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.75
Initial HOA (3 months)$462.00
Prepaid interest, first (1 days)$33.76
Fees + prepaids$14,796.44
Your down payment is the seller’s equity. You take over the $403,986 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $235,810.04 is due at closing. Uses and sources reconcile at $639,796.44 each. Not a Closing Disclosure.