Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$399,937Cash toward the purchase price.
Closing costs + prepaids$13,929Not just lender fees.
Before credits & paid funds$413,866The complete starting cash picture.
Estimated remaining funds due at closing
$413,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,937.22
Your down payment$399,937.22
Closing costs + prepaids$13,928.67
Total buyer cash needed$413,865.89
Remaining funds due$413,865.89
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,145.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$389.25
Prepaid interest, first (28 days)$636.10
Fees + prepaids$13,928.67
Your down payment is the seller’s equity. You take over the $229,063 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $413,865.89 is due at closing. Uses and sources reconcile at $642,928.67 each. Not a Closing Disclosure.