Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$274,880Cash toward the purchase price.
Closing costs + prepaids$16,941Not just lender fees.
Before credits & paid funds$291,821The complete starting cash picture.
Estimated remaining funds due at closing
$291,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,879.83
Your down payment$274,879.83
Closing costs + prepaids$16,941.20
Total buyer cash needed$291,821.02
Remaining funds due$291,821.02
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%)$1,850.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,612.50
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$1,185.09
Fees + prepaids$16,941.20
Your down payment is the seller’s equity. You take over the $370,120 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $291,821.02 is due at closing. Uses and sources reconcile at $661,941.20 each. Not a Closing Disclosure.