Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$430,802Cash toward the purchase price.
Closing costs + prepaids$14,115Not just lender fees.
Before credits & paid funds$444,918The complete starting cash picture.
Estimated remaining funds due at closing
$444,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,802.14
Your down payment$430,802.14
Closing costs + prepaids$14,115.39
Total buyer cash needed$444,917.53
Remaining funds due$444,917.53
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,140.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$459.75
Initial HOA (3 months)$5.01
Prepaid interest, first (24 days)$451.64
Fees + prepaids$14,115.39
Your down payment is the seller’s equity. You take over the $228,198 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $444,917.53 is due at closing. Uses and sources reconcile at $673,115.39 each. Not a Closing Disclosure.