Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$240,481Cash toward the purchase price.
Closing costs + prepaids$16,287Not just lender fees.
Before credits & paid funds$256,768The complete starting cash picture.
Estimated remaining funds due at closing
$256,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,480.68
Your down payment$240,480.68
Closing costs + prepaids$16,287.03
Total buyer cash needed$256,767.71
Remaining funds due$256,767.71
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,947.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,559.75
Prepaid interest, first (30 days)$1,011.68
Fees + prepaids$16,287.03
Your down payment is the seller’s equity. You take over the $389,519 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $256,767.71 is due at closing. Uses and sources reconcile at $646,287.03 each. Not a Closing Disclosure.