Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$368,588Cash toward the purchase price.
Closing costs + prepaids$14,924Not just lender fees.
Before credits & paid funds$383,512The complete starting cash picture.
Estimated remaining funds due at closing
$383,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,588.05
Your down payment$368,588.05
Closing costs + prepaids$14,924.40
Total buyer cash needed$383,512.45
Remaining funds due$383,512.45
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,352.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$730.25
Initial HOA (3 months)$384.00
Prepaid interest, first (20 days)$600.09
Fees + prepaids$14,924.40
Your down payment is the seller’s equity. You take over the $270,412 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $383,512.45 is due at closing. Uses and sources reconcile at $653,924.40 each. Not a Closing Disclosure.