Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$454,793Cash toward the purchase price.
Closing costs + prepaids$15,023Not just lender fees.
Before credits & paid funds$469,815The complete starting cash picture.
Estimated remaining funds due at closing
$469,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$454,792.52
Your down payment$454,792.52
Closing costs + prepaids$15,022.74
Total buyer cash needed$469,815.26
Remaining funds due$469,815.26
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$921.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,289.25
Initial HOA (3 months)$420.00
Prepaid interest, first (30 days)$534.45
Fees + prepaids$15,022.74
Your down payment is the seller’s equity. You take over the $184,207 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $469,815.26 is due at closing. Uses and sources reconcile at $654,022.74 each. Not a Closing Disclosure.