Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$408,835Cash toward the purchase price.
Closing costs + prepaids$15,044Not just lender fees.
Before credits & paid funds$423,879The complete starting cash picture.
Estimated remaining funds due at closing
$423,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,834.94
Your down payment$408,834.94
Closing costs + prepaids$15,043.73
Total buyer cash needed$423,878.67
Remaining funds due$423,878.67
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%)$6,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,080.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,595.25
Prepaid interest, first (25 days)$651.15
Fees + prepaids$15,043.73
Your down payment is the seller’s equity. You take over the $216,065 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $423,878.67 is due at closing. Uses and sources reconcile at $639,943.73 each. Not a Closing Disclosure.