Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$240,759Cash toward the purchase price.
Closing costs + prepaids$16,175Not just lender fees.
Before credits & paid funds$256,934The complete starting cash picture.
Estimated remaining funds due at closing
$256,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,759.20
Your down payment$240,759.20
Closing costs + prepaids$16,175.18
Total buyer cash needed$256,934.38
Remaining funds due$256,934.38
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%)$1,946.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,575.00
Prepaid interest, first (31 days)$885.98
Fees + prepaids$16,175.18
Your down payment is the seller’s equity. You take over the $389,241 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $256,934.38 is due at closing. Uses and sources reconcile at $646,175.18 each. Not a Closing Disclosure.