Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$261,545Cash toward the purchase price.
Closing costs + prepaids$15,540Not just lender fees.
Before credits & paid funds$277,085The complete starting cash picture.
Estimated remaining funds due at closing
$277,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,544.86
Your down payment$261,544.86
Closing costs + prepaids$15,540.05
Total buyer cash needed$277,084.92
Remaining funds due$277,084.92
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,842.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$574.00
Initial HOA (3 months)$345.00
Prepaid interest, first (31 days)$1,010.78
Fees + prepaids$15,540.05
Your down payment is the seller’s equity. You take over the $368,455 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $277,084.92 is due at closing. Uses and sources reconcile at $645,540.05 each. Not a Closing Disclosure.