Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$435,201Cash toward the purchase price.
Closing costs + prepaids$16,471Not just lender fees.
Before credits & paid funds$451,672The complete starting cash picture.
Estimated remaining funds due at closing
$451,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,201.21
Your down payment$435,201.21
Closing costs + prepaids$16,471.05
Total buyer cash needed$451,672.26
Remaining funds due$451,672.26
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%)$6,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,013.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,713.00
Initial HOA (3 months)$1,356.00
Prepaid interest, first (27 days)$540.06
Fees + prepaids$16,471.05
Your down payment is the seller’s equity. You take over the $202,799 balance, so the rest of the $638,000 price is paid at closing. A second mortgage can cover part of it. $451,672.26 is due at closing. Uses and sources reconcile at $654,471.05 each. Not a Closing Disclosure.