Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$398,881Cash toward the purchase price.
Closing costs + prepaids$15,213Not just lender fees.
Before credits & paid funds$414,094The complete starting cash picture.
Estimated remaining funds due at closing
$414,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,880.79
Your down payment$398,880.79
Closing costs + prepaids$15,213.13
Total buyer cash needed$414,093.92
Remaining funds due$414,093.92
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,255.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,005.00
Initial HOA (3 months)$189.99
Prepaid interest, first (25 days)$796.04
Fees + prepaids$15,213.13
Your down payment is the seller’s equity. You take over the $251,019 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $414,093.92 is due at closing. Uses and sources reconcile at $665,113.13 each. Not a Closing Disclosure.