Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$427,996Cash toward the purchase price.
Closing costs + prepaids$14,353Not just lender fees.
Before credits & paid funds$442,350The complete starting cash picture.
Estimated remaining funds due at closing
$442,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,996.43
Your down payment$427,996.43
Closing costs + prepaids$14,353.08
Total buyer cash needed$442,349.51
Remaining funds due$442,349.51
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%)$985.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$462.50
Initial HOA (3 months)$1,167.00
Prepaid interest, first (1 days)$20.56
Fees + prepaids$14,353.08
Your down payment is the seller’s equity. You take over the $197,004 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $442,349.51 is due at closing. Uses and sources reconcile at $639,353.08 each. Not a Closing Disclosure.