Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$431,775Cash toward the purchase price.
Closing costs + prepaids$14,518Not just lender fees.
Before credits & paid funds$446,293The complete starting cash picture.
Estimated remaining funds due at closing
$446,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,774.72
Your down payment$431,774.72
Closing costs + prepaids$14,517.96
Total buyer cash needed$446,292.68
Remaining funds due$446,292.68
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%)$6,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,041.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,146.50
Initial HOA (3 months)$18.75
Prepaid interest, first (27 days)$443.60
Fees + prepaids$14,517.96
Your down payment is the seller’s equity. You take over the $208,224 balance, so the rest of the $639,999 price is paid at closing. A second mortgage can cover part of it. $446,292.68 is due at closing. Uses and sources reconcile at $654,516.96 each. Not a Closing Disclosure.