Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$301,792Cash toward the purchase price.
Closing costs + prepaids$14,885Not just lender fees.
Before credits & paid funds$316,677The complete starting cash picture.
Estimated remaining funds due at closing
$316,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,791.79
Your down payment$301,791.79
Closing costs + prepaids$14,885.36
Total buyer cash needed$316,677.16
Remaining funds due$316,677.16
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%)$6,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,665.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$497.25
Initial HOA (3 months)$62.49
Prepaid interest, first (31 days)$843.08
Fees + prepaids$14,885.36
Your down payment is the seller’s equity. You take over the $333,108 balance, so the rest of the $634,900 price is paid at closing. A second mortgage can cover part of it. $316,677.16 is due at closing. Uses and sources reconcile at $649,785.36 each. Not a Closing Disclosure.