Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$390,598Cash toward the purchase price.
Closing costs + prepaids$15,288Not just lender fees.
Before credits & paid funds$405,886The complete starting cash picture.
Estimated remaining funds due at closing
$405,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,597.93
Your down payment$390,597.93
Closing costs + prepaids$15,288.24
Total buyer cash needed$405,886.17
Remaining funds due$405,886.17
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%)$6,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,232.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,592.50
Prepaid interest, first (31 days)$625.73
Fees + prepaids$15,288.24
Your down payment is the seller’s equity. You take over the $246,402 balance, so the rest of the $637,000 price is paid at closing. A second mortgage can cover part of it. $405,886.17 is due at closing. Uses and sources reconcile at $652,288.24 each. Not a Closing Disclosure.