Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$218,222Cash toward the purchase price.
Closing costs + prepaids$16,952Not just lender fees.
Before credits & paid funds$235,175The complete starting cash picture.
Estimated remaining funds due at closing
$235,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,222.38
Your down payment$218,222.38
Closing costs + prepaids$16,952.25
Total buyer cash needed$235,174.63
Remaining funds due$235,174.63
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,408.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,755.00
Initial HOA (3 months)$291.51
Prepaid interest, first (1 days)$30.35
Fees + prepaids$16,952.25
Your down payment is the seller’s equity. You take over the $481,678 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $235,174.63 is due at closing. Uses and sources reconcile at $716,852.25 each. Not a Closing Disclosure.