Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$423,907Cash toward the purchase price.
Closing costs + prepaids$14,463Not just lender fees.
Before credits & paid funds$438,370The complete starting cash picture.
Estimated remaining funds due at closing
$438,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$423,906.80
Your down payment$423,906.80
Closing costs + prepaids$14,463.12
Total buyer cash needed$438,369.92
Remaining funds due$438,369.92
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,125.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$324.00
Prepaid interest, first (27 days)$1,055.66
Fees + prepaids$14,463.12
Your down payment is the seller’s equity. You take over the $225,093 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $438,369.92 is due at closing. Uses and sources reconcile at $663,463.12 each. Not a Closing Disclosure.