Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$390,111Cash toward the purchase price.
Closing costs + prepaids$14,367Not just lender fees.
Before credits & paid funds$404,478The complete starting cash picture.
Estimated remaining funds due at closing
$404,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,111.06
Your down payment$390,111.06
Closing costs + prepaids$14,366.70
Total buyer cash needed$404,477.76
Remaining funds due$404,477.76
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,199.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$756.00
Initial HOA (3 months)$438.00
Prepaid interest, first (9 days)$205.25
Fees + prepaids$14,366.70
Your down payment is the seller’s equity. You take over the $239,889 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $404,477.76 is due at closing. Uses and sources reconcile at $644,366.70 each. Not a Closing Disclosure.