Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$428,569Cash toward the purchase price.
Closing costs + prepaids$14,986Not just lender fees.
Before credits & paid funds$443,555The complete starting cash picture.
Estimated remaining funds due at closing
$443,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,568.69
Your down payment$428,568.69
Closing costs + prepaids$14,986.23
Total buyer cash needed$443,554.92
Remaining funds due$443,554.92
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$982.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Initial HOA (3 months)$1,167.00
Prepaid interest, first (18 days)$369.08
Fees + prepaids$14,986.23
Your down payment is the seller’s equity. You take over the $196,431 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $443,554.92 is due at closing. Uses and sources reconcile at $639,986.23 each. Not a Closing Disclosure.