Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$442,722Cash toward the purchase price.
Closing costs + prepaids$15,426Not just lender fees.
Before credits & paid funds$458,147The complete starting cash picture.
Estimated remaining funds due at closing
$458,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,721.55
Your down payment$442,721.55
Closing costs + prepaids$15,425.82
Total buyer cash needed$458,147.37
Remaining funds due$458,147.37
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%)$6,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$983.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,544.75
Prepaid interest, first (2 days)$34.18
Fees + prepaids$15,425.82
Your down payment is the seller’s equity. You take over the $196,778 balance, so the rest of the $639,500 price is paid at closing. A second mortgage can cover part of it. $458,147.37 is due at closing. Uses and sources reconcile at $654,925.82 each. Not a Closing Disclosure.