Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$427,243Cash toward the purchase price.
Closing costs + prepaids$15,205Not just lender fees.
Before credits & paid funds$442,448The complete starting cash picture.
Estimated remaining funds due at closing
$442,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,243.11
Your down payment$427,243.11
Closing costs + prepaids$15,205.03
Total buyer cash needed$442,448.14
Remaining funds due$442,448.14
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,058.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,597.50
Initial HOA (3 months)$288.00
Prepaid interest, first (26 days)$402.74
Fees + prepaids$15,205.03
Your down payment is the seller’s equity. You take over the $211,757 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $442,448.14 is due at closing. Uses and sources reconcile at $654,205.03 each. Not a Closing Disclosure.