Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$401,876Cash toward the purchase price.
Closing costs + prepaids$16,038Not just lender fees.
Before credits & paid funds$417,914The complete starting cash picture.
Estimated remaining funds due at closing
$417,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,876.33
Your down payment$401,876.33
Closing costs + prepaids$16,037.90
Total buyer cash needed$417,914.23
Remaining funds due$417,914.23
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,190.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,433.00
Prepaid interest, first (28 days)$547.78
Fees + prepaids$16,037.90
Your down payment is the seller’s equity. You take over the $238,024 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $417,914.23 is due at closing. Uses and sources reconcile at $655,937.90 each. Not a Closing Disclosure.