Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$416,817Cash toward the purchase price.
Closing costs + prepaids$15,144Not just lender fees.
Before credits & paid funds$431,961The complete starting cash picture.
Estimated remaining funds due at closing
$431,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,816.91
Your down payment$416,816.91
Closing costs + prepaids$15,144.40
Total buyer cash needed$431,961.31
Remaining funds due$431,961.31
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,090.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,319.75
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$765.73
Fees + prepaids$15,144.40
Your down payment is the seller’s equity. You take over the $218,183 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $431,961.31 is due at closing. Uses and sources reconcile at $650,144.40 each. Not a Closing Disclosure.