Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$388,413Cash toward the purchase price.
Closing costs + prepaids$15,126Not just lender fees.
Before credits & paid funds$403,539The complete starting cash picture.
Estimated remaining funds due at closing
$403,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,413.13
Your down payment$388,413.13
Closing costs + prepaids$15,125.96
Total buyer cash needed$403,539.09
Remaining funds due$403,539.09
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%)$6,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,357.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$693.50
Initial HOA (3 months)$399.00
Prepaid interest, first (23 days)$609.02
Fees + prepaids$15,125.96
Your down payment is the seller’s equity. You take over the $271,487 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $403,539.09 is due at closing. Uses and sources reconcile at $675,025.96 each. Not a Closing Disclosure.