Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$424,863Cash toward the purchase price.
Closing costs + prepaids$14,828Not just lender fees.
Before credits & paid funds$439,691The complete starting cash picture.
Estimated remaining funds due at closing
$439,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,863.33
Your down payment$424,863.33
Closing costs + prepaids$14,827.70
Total buyer cash needed$439,691.03
Remaining funds due$439,691.03
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%)$6,459.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,105.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$965.75
Initial HOA (3 months)$179.01
Prepaid interest, first (27 days)$650.76
Fees + prepaids$14,827.70
Your down payment is the seller’s equity. You take over the $221,037 balance, so the rest of the $645,900 price is paid at closing. A second mortgage can cover part of it. $439,691.03 is due at closing. Uses and sources reconcile at $660,727.70 each. Not a Closing Disclosure.