Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$388,895Cash toward the purchase price.
Closing costs + prepaids$14,468Not just lender fees.
Before credits & paid funds$403,363The complete starting cash picture.
Estimated remaining funds due at closing
$403,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,894.86
Your down payment$388,894.86
Closing costs + prepaids$14,468.34
Total buyer cash needed$403,363.21
Remaining funds due$403,363.21
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,350.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$790.75
Prepaid interest, first (12 days)$269.07
Fees + prepaids$14,468.34
Your down payment is the seller’s equity. You take over the $270,105 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $403,363.21 is due at closing. Uses and sources reconcile at $673,468.34 each. Not a Closing Disclosure.