Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$282,902Cash toward the purchase price.
Closing costs + prepaids$15,161Not just lender fees.
Before credits & paid funds$298,063The complete starting cash picture.
Estimated remaining funds due at closing
$298,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,901.91
Your down payment$282,901.91
Closing costs + prepaids$15,160.77
Total buyer cash needed$298,062.67
Remaining funds due$298,062.67
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%)$6,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,670.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$993.00
Initial HOA (3 months)$56.25
Prepaid interest, first (31 days)$803.03
Fees + prepaids$15,160.77
Your down payment is the seller’s equity. You take over the $334,098 balance, so the rest of the $617,000 price is paid at closing. A second mortgage can cover part of it. $298,062.67 is due at closing. Uses and sources reconcile at $632,160.77 each. Not a Closing Disclosure.