Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$385,167Cash toward the purchase price.
Closing costs + prepaids$14,322Not just lender fees.
Before credits & paid funds$399,489The complete starting cash picture.
Estimated remaining funds due at closing
$399,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,166.50
Your down payment$385,166.50
Closing costs + prepaids$14,322.11
Total buyer cash needed$399,488.61
Remaining funds due$399,488.61
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,369.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$264.75
Prepaid interest, first (28 days)$630.19
Fees + prepaids$14,322.11
Your down payment is the seller’s equity. You take over the $273,833 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $399,488.61 is due at closing. Uses and sources reconcile at $673,322.11 each. Not a Closing Disclosure.