Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$410,515Cash toward the purchase price.
Closing costs + prepaids$18,102Not just lender fees.
Before credits & paid funds$428,617The complete starting cash picture.
Estimated remaining funds due at closing
$428,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,515.24
Your down payment$410,515.24
Closing costs + prepaids$18,101.59
Total buyer cash needed$428,616.82
Remaining funds due$428,616.82
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,092.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,796.75
Initial HOA (3 months)$1,727.01
Prepaid interest, first (31 days)$727.40
Fees + prepaids$18,101.59
Your down payment is the seller’s equity. You take over the $218,485 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $428,616.82 is due at closing. Uses and sources reconcile at $647,101.59 each. Not a Closing Disclosure.