Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$386,545Cash toward the purchase price.
Closing costs + prepaids$14,804Not just lender fees.
Before credits & paid funds$401,348The complete starting cash picture.
Estimated remaining funds due at closing
$401,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,544.86
Your down payment$386,544.86
Closing costs + prepaids$14,803.59
Total buyer cash needed$401,348.46
Remaining funds due$401,348.46
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%)$1,316.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$633.75
Initial HOA (3 months)$288.00
Prepaid interest, first (27 days)$598.07
Fees + prepaids$14,803.59
Your down payment is the seller’s equity. You take over the $263,355 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $401,348.46 is due at closing. Uses and sources reconcile at $664,703.59 each. Not a Closing Disclosure.