Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$238,377Cash toward the purchase price.
Closing costs + prepaids$15,238Not just lender fees.
Before credits & paid funds$253,614The complete starting cash picture.
Estimated remaining funds due at closing
$253,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,376.77
Your down payment$238,376.77
Closing costs + prepaids$15,237.66
Total buyer cash needed$253,614.43
Remaining funds due$253,614.43
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,908.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$764.00
Initial HOA (3 months)$240.00
Prepaid interest, first (19 days)$657.54
Fees + prepaids$15,237.66
Your down payment is the seller’s equity. You take over the $381,623 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $253,614.43 is due at closing. Uses and sources reconcile at $635,237.66 each. Not a Closing Disclosure.