Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$413,534Cash toward the purchase price.
Closing costs + prepaids$14,162Not just lender fees.
Before credits & paid funds$427,697The complete starting cash picture.
Estimated remaining funds due at closing
$427,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$413,534.49
Your down payment$413,534.49
Closing costs + prepaids$14,162.17
Total buyer cash needed$427,696.66
Remaining funds due$427,696.66
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%)$6,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,172.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$502.25
Prepaid interest, first (28 days)$539.59
Fees + prepaids$14,162.17
Your down payment is the seller’s equity. You take over the $234,466 balance, so the rest of the $648,000 price is paid at closing. A second mortgage can cover part of it. $427,696.66 is due at closing. Uses and sources reconcile at $662,162.17 each. Not a Closing Disclosure.