Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$381,325Cash toward the purchase price.
Closing costs + prepaids$15,705Not just lender fees.
Before credits & paid funds$397,029The complete starting cash picture.
Estimated remaining funds due at closing
$397,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,324.67
Your down payment$381,324.67
Closing costs + prepaids$15,704.76
Total buyer cash needed$397,029.42
Remaining funds due$397,029.42
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%)$6,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,328.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,598.25
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$615.13
Fees + prepaids$15,704.76
Your down payment is the seller’s equity. You take over the $265,675 balance, so the rest of the $647,000 price is paid at closing. A second mortgage can cover part of it. $397,029.42 is due at closing. Uses and sources reconcile at $662,704.76 each. Not a Closing Disclosure.