Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$401,679Cash toward the purchase price.
Closing costs + prepaids$15,400Not just lender fees.
Before credits & paid funds$417,079The complete starting cash picture.
Estimated remaining funds due at closing
$417,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,678.90
Your down payment$401,678.90
Closing costs + prepaids$15,399.73
Total buyer cash needed$417,078.63
Remaining funds due$417,078.63
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%)$6,288.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,136.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,525.25
Initial HOA (3 months)$375.00
Prepaid interest, first (28 days)$606.55
Fees + prepaids$15,399.73
Your down payment is the seller’s equity. You take over the $227,209 balance, so the rest of the $628,888 price is paid at closing. A second mortgage can cover part of it. $417,078.63 is due at closing. Uses and sources reconcile at $644,287.73 each. Not a Closing Disclosure.