Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$385,860Cash toward the purchase price.
Closing costs + prepaids$14,273Not just lender fees.
Before credits & paid funds$400,132The complete starting cash picture.
Estimated remaining funds due at closing
$400,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,859.73
Your down payment$385,859.73
Closing costs + prepaids$14,272.72
Total buyer cash needed$400,132.46
Remaining funds due$400,132.46
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,195.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$961.00
Prepaid interest, first (27 days)$398.02
Fees + prepaids$14,272.72
Your down payment is the seller’s equity. You take over the $239,140 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $400,132.46 is due at closing. Uses and sources reconcile at $639,272.72 each. Not a Closing Disclosure.