Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$398,948Cash toward the purchase price.
Closing costs + prepaids$14,495Not just lender fees.
Before credits & paid funds$413,442The complete starting cash picture.
Estimated remaining funds due at closing
$413,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,947.77
Your down payment$398,947.77
Closing costs + prepaids$14,494.65
Total buyer cash needed$413,442.42
Remaining funds due$413,442.42
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%)$1,130.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,034.50
Prepaid interest, first (26 days)$611.89
Fees + prepaids$14,494.65
Your down payment is the seller’s equity. You take over the $226,052 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $413,442.42 is due at closing. Uses and sources reconcile at $639,494.65 each. Not a Closing Disclosure.