Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$386,347Cash toward the purchase price.
Closing costs + prepaids$14,041Not just lender fees.
Before credits & paid funds$400,388The complete starting cash picture.
Estimated remaining funds due at closing
$400,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,347.38
Your down payment$386,347.38
Closing costs + prepaids$14,040.65
Total buyer cash needed$400,388.03
Remaining funds due$400,388.03
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,143.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$738.00
Initial HOA (3 months)$240.00
Prepaid interest, first (17 days)$301.38
Fees + prepaids$14,040.65
Your down payment is the seller’s equity. You take over the $228,653 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $400,388.03 is due at closing. Uses and sources reconcile at $629,040.65 each. Not a Closing Disclosure.