Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$387,198Cash toward the purchase price.
Closing costs + prepaids$14,626Not just lender fees.
Before credits & paid funds$401,824The complete starting cash picture.
Estimated remaining funds due at closing
$401,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,197.79
Your down payment$387,197.79
Closing costs + prepaids$14,625.78
Total buyer cash needed$401,823.57
Remaining funds due$401,823.57
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,289.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$807.25
Prepaid interest, first (26 days)$611.52
Fees + prepaids$14,625.78
Your down payment is the seller’s equity. You take over the $257,802 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $401,823.57 is due at closing. Uses and sources reconcile at $659,625.78 each. Not a Closing Disclosure.