Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$364,220Cash toward the purchase price.
Closing costs + prepaids$15,060Not just lender fees.
Before credits & paid funds$379,281The complete starting cash picture.
Estimated remaining funds due at closing
$379,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,220.22
Your down payment$364,220.22
Closing costs + prepaids$15,060.36
Total buyer cash needed$379,280.58
Remaining funds due$379,280.58
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%)$6,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,426.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,623.75
Prepaid interest, first (2 days)$47.21
Fees + prepaids$15,060.36
Your down payment is the seller’s equity. You take over the $285,280 balance, so the rest of the $649,500 price is paid at closing. A second mortgage can cover part of it. $379,280.58 is due at closing. Uses and sources reconcile at $664,560.36 each. Not a Closing Disclosure.