Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$412,125Cash toward the purchase price.
Closing costs + prepaids$13,944Not just lender fees.
Before credits & paid funds$426,068The complete starting cash picture.
Estimated remaining funds due at closing
$426,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$412,124.55
Your down payment$412,124.55
Closing costs + prepaids$13,943.59
Total buyer cash needed$426,068.14
Remaining funds due$426,068.14
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,114.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$762.00
Initial HOA (3 months)$96.99
Prepaid interest, first (9 days)$152.23
Fees + prepaids$13,943.59
Your down payment is the seller’s equity. You take over the $222,875 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $426,068.14 is due at closing. Uses and sources reconcile at $648,943.59 each. Not a Closing Disclosure.