Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$424,234Cash toward the purchase price.
Closing costs + prepaids$14,937Not just lender fees.
Before credits & paid funds$439,170The complete starting cash picture.
Estimated remaining funds due at closing
$439,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,233.61
Your down payment$424,233.61
Closing costs + prepaids$14,936.85
Total buyer cash needed$439,170.46
Remaining funds due$439,170.46
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,128.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,657.25
Initial HOA (3 months)$87.51
Prepaid interest, first (5 days)$96.76
Fees + prepaids$14,936.85
Your down payment is the seller’s equity. You take over the $225,666 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $439,170.46 is due at closing. Uses and sources reconcile at $664,836.85 each. Not a Closing Disclosure.