Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$440,824Cash toward the purchase price.
Closing costs + prepaids$14,191Not just lender fees.
Before credits & paid funds$455,015The complete starting cash picture.
Estimated remaining funds due at closing
$455,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,824.38
Your down payment$440,824.38
Closing costs + prepaids$14,190.70
Total buyer cash needed$455,015.08
Remaining funds due$455,015.08
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,045.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$621.25
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$467.07
Fees + prepaids$14,190.70
Your down payment is the seller’s equity. You take over the $209,076 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $455,015.08 is due at closing. Uses and sources reconcile at $664,090.70 each. Not a Closing Disclosure.