Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$387,534Cash toward the purchase price.
Closing costs + prepaids$14,930Not just lender fees.
Before credits & paid funds$402,464The complete starting cash picture.
Estimated remaining funds due at closing
$402,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,534.45
Your down payment$387,534.45
Closing costs + prepaids$14,929.75
Total buyer cash needed$402,464.20
Remaining funds due$402,464.20
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,437.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$292.00
Prepaid interest, first (27 days)$982.42
Fees + prepaids$14,929.75
Your down payment is the seller’s equity. You take over the $287,466 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $402,464.20 is due at closing. Uses and sources reconcile at $689,929.75 each. Not a Closing Disclosure.