Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$401,570Cash toward the purchase price.
Closing costs + prepaids$14,448Not just lender fees.
Before credits & paid funds$416,018The complete starting cash picture.
Estimated remaining funds due at closing
$416,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,570.23
Your down payment$401,570.23
Closing costs + prepaids$14,447.88
Total buyer cash needed$416,018.11
Remaining funds due$416,018.11
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%)$1,241.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$658.75
Prepaid interest, first (27 days)$580.48
Fees + prepaids$14,447.88
Your down payment is the seller’s equity. You take over the $248,330 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $416,018.11 is due at closing. Uses and sources reconcile at $664,347.88 each. Not a Closing Disclosure.