Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$398,937Cash toward the purchase price.
Closing costs + prepaids$14,065Not just lender fees.
Before credits & paid funds$413,002The complete starting cash picture.
Estimated remaining funds due at closing
$413,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,937.22
Your down payment$398,937.22
Closing costs + prepaids$14,064.52
Total buyer cash needed$413,001.74
Remaining funds due$413,001.74
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%)$6,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,145.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$785.00
Prepaid interest, first (17 days)$386.21
Fees + prepaids$14,064.52
Your down payment is the seller’s equity. You take over the $229,063 balance, so the rest of the $628,000 price is paid at closing. A second mortgage can cover part of it. $413,001.74 is due at closing. Uses and sources reconcile at $642,064.52 each. Not a Closing Disclosure.