Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$440,326Cash toward the purchase price.
Closing costs + prepaids$13,743Not just lender fees.
Before credits & paid funds$454,069The complete starting cash picture.
Estimated remaining funds due at closing
$454,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,325.52
Your down payment$440,325.52
Closing costs + prepaids$13,743.46
Total buyer cash needed$454,068.98
Remaining funds due$454,068.98
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,047.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$621.25
Initial HOA (3 months)$90.00
Prepaid interest, first (1 days)$17.34
Fees + prepaids$13,743.46
Your down payment is the seller’s equity. You take over the $209,574 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $454,068.98 is due at closing. Uses and sources reconcile at $663,643.46 each. Not a Closing Disclosure.