Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$264,421Cash toward the purchase price.
Closing costs + prepaids$15,350Not just lender fees.
Before credits & paid funds$279,770The complete starting cash picture.
Estimated remaining funds due at closing
$279,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,420.81
Your down payment$264,420.81
Closing costs + prepaids$15,349.61
Total buyer cash needed$279,770.41
Remaining funds due$279,770.41
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,727.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$954.00
Initial HOA (3 months)$276.00
Prepaid interest, first (30 days)$823.71
Fees + prepaids$15,349.61
Your down payment is the seller’s equity. You take over the $345,579 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $279,770.41 is due at closing. Uses and sources reconcile at $625,349.61 each. Not a Closing Disclosure.