Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$384,182Cash toward the purchase price.
Closing costs + prepaids$14,222Not just lender fees.
Before credits & paid funds$398,403The complete starting cash picture.
Estimated remaining funds due at closing
$398,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,181.60
Your down payment$384,181.60
Closing costs + prepaids$14,221.53
Total buyer cash needed$398,403.12
Remaining funds due$398,403.12
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%)$6,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,279.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$768.00
Initial HOA (3 months)$54.75
Prepaid interest, first (9 days)$251.68
Fees + prepaids$14,221.53
Your down payment is the seller’s equity. You take over the $255,818 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $398,403.12 is due at closing. Uses and sources reconcile at $654,221.53 each. Not a Closing Disclosure.