Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$398,187Cash toward the purchase price.
Closing costs + prepaids$14,127Not just lender fees.
Before credits & paid funds$412,314The complete starting cash picture.
Estimated remaining funds due at closing
$412,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,186.61
Your down payment$398,186.61
Closing costs + prepaids$14,127.09
Total buyer cash needed$412,313.70
Remaining funds due$412,313.70
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%)$6,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,309.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$14.25
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$660.77
Fees + prepaids$14,127.09
Your down payment is the seller’s equity. You take over the $261,813 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $412,313.70 is due at closing. Uses and sources reconcile at $674,127.09 each. Not a Closing Disclosure.