Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$446,114Cash toward the purchase price.
Closing costs + prepaids$13,025Not just lender fees.
Before credits & paid funds$459,139The complete starting cash picture.
Estimated remaining funds due at closing
$459,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,113.98
Your down payment$446,113.98
Closing costs + prepaids$13,024.59
Total buyer cash needed$459,138.57
Remaining funds due$459,138.57
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$894.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$382.75
Prepaid interest, first (2 days)$29.41
Fees + prepaids$13,024.59
Your down payment is the seller’s equity. You take over the $178,886 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $459,138.57 is due at closing. Uses and sources reconcile at $638,024.59 each. Not a Closing Disclosure.