Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$363,911Cash toward the purchase price.
Closing costs + prepaids$14,523Not just lender fees.
Before credits & paid funds$378,434The complete starting cash picture.
Estimated remaining funds due at closing
$378,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,910.70
Your down payment$363,910.70
Closing costs + prepaids$14,523.19
Total buyer cash needed$378,433.90
Remaining funds due$378,433.90
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%)$1,377.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$623.25
Initial HOA (3 months)$22.50
Prepaid interest, first (30 days)$636.50
Fees + prepaids$14,523.19
Your down payment is the seller’s equity. You take over the $275,589 balance, so the rest of the $639,500 price is paid at closing. A second mortgage can cover part of it. $378,433.90 is due at closing. Uses and sources reconcile at $654,023.19 each. Not a Closing Disclosure.