Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$333,785Cash toward the purchase price.
Closing costs + prepaids$15,728Not just lender fees.
Before credits & paid funds$349,513The complete starting cash picture.
Estimated remaining funds due at closing
$349,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,785.32
Your down payment$333,785.32
Closing costs + prepaids$15,728.12
Total buyer cash needed$349,513.44
Remaining funds due$349,513.44
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,556.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,010.75
Initial HOA (3 months)$215.01
Prepaid interest, first (30 days)$1,028.29
Fees + prepaids$15,728.12
Your down payment is the seller’s equity. You take over the $311,215 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $349,513.44 is due at closing. Uses and sources reconcile at $660,728.12 each. Not a Closing Disclosure.