Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$391,532Cash toward the purchase price.
Closing costs + prepaids$15,662Not just lender fees.
Before credits & paid funds$407,194The complete starting cash picture.
Estimated remaining funds due at closing
$407,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,531.97
Your down payment$391,531.97
Closing costs + prepaids$15,662.20
Total buyer cash needed$407,194.18
Remaining funds due$407,194.18
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%)$6,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,366.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,330.75
Initial HOA (3 months)$350.01
Prepaid interest, first (22 days)$497.60
Fees + prepaids$15,662.20
Your down payment is the seller’s equity. You take over the $273,368 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $407,194.18 is due at closing. Uses and sources reconcile at $680,562.20 each. Not a Closing Disclosure.