Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$433,158Cash toward the purchase price.
Closing costs + prepaids$14,890Not just lender fees.
Before credits & paid funds$448,049The complete starting cash picture.
Estimated remaining funds due at closing
$448,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$433,158.37
Your down payment$433,158.37
Closing costs + prepaids$14,890.46
Total buyer cash needed$448,048.83
Remaining funds due$448,048.83
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%)$6,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,133.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,072.50
Initial HOA (3 months)$3.00
Prepaid interest, first (24 days)$614.25
Fees + prepaids$14,890.46
Your down payment is the seller’s equity. You take over the $226,742 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $448,048.83 is due at closing. Uses and sources reconcile at $674,790.46 each. Not a Closing Disclosure.