Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$417,134Cash toward the purchase price.
Closing costs + prepaids$14,687Not just lender fees.
Before credits & paid funds$431,821The complete starting cash picture.
Estimated remaining funds due at closing
$431,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$417,134.42
Your down payment$417,134.42
Closing costs + prepaids$14,686.86
Total buyer cash needed$431,821.28
Remaining funds due$431,821.28
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%)$6,743.25
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,285.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$809.25
Initial HOA (3 months)$260.76
Prepaid interest, first (6 days)$119.65
Fees + prepaids$14,686.86
Your down payment is the seller’s equity. You take over the $257,191 balance, so the rest of the $674,325 price is paid at closing. A second mortgage can cover part of it. $431,821.28 is due at closing. Uses and sources reconcile at $689,011.86 each. Not a Closing Disclosure.