Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$423,185Cash toward the purchase price.
Closing costs + prepaids$15,371Not just lender fees.
Before credits & paid funds$438,556The complete starting cash picture.
Estimated remaining funds due at closing
$438,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$423,185.44
Your down payment$423,185.44
Closing costs + prepaids$15,370.51
Total buyer cash needed$438,555.96
Remaining funds due$438,555.96
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%)$1,133.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,371.50
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$823.44
Fees + prepaids$15,370.51
Your down payment is the seller’s equity. You take over the $226,715 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $438,555.96 is due at closing. Uses and sources reconcile at $665,270.51 each. Not a Closing Disclosure.