Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$385,860Cash toward the purchase price.
Closing costs + prepaids$13,946Not just lender fees.
Before credits & paid funds$399,805The complete starting cash picture.
Estimated remaining funds due at closing
$399,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,859.73
Your down payment$385,859.73
Closing costs + prepaids$13,945.56
Total buyer cash needed$399,805.29
Remaining funds due$399,805.29
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%)$1,195.70
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 (17 days)$250.61
Fees + prepaids$13,945.56
Your down payment is the seller’s equity. You take over the $239,140 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $399,805.29 is due at closing. Uses and sources reconcile at $638,945.56 each. Not a Closing Disclosure.