Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$389,341Cash toward the purchase price.
Closing costs + prepaids$13,974Not just lender fees.
Before credits & paid funds$403,315The complete starting cash picture.
Estimated remaining funds due at closing
$403,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,340.70
Your down payment$389,340.70
Closing costs + prepaids$13,974.03
Total buyer cash needed$403,314.72
Remaining funds due$403,314.72
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,178.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$781.25
Prepaid interest, first (16 days)$296.48
Fees + prepaids$13,974.03
Your down payment is the seller’s equity. You take over the $235,659 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $403,314.72 is due at closing. Uses and sources reconcile at $638,974.03 each. Not a Closing Disclosure.