Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$313,631Cash toward the purchase price.
Closing costs + prepaids$15,231Not just lender fees.
Before credits & paid funds$328,861The complete starting cash picture.
Estimated remaining funds due at closing
$328,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,630.91
Your down payment$313,630.91
Closing costs + prepaids$15,230.54
Total buyer cash needed$328,861.45
Remaining funds due$328,861.45
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,506.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,129.75
Prepaid interest, first (30 days)$975.94
Fees + prepaids$15,230.54
Your down payment is the seller’s equity. You take over the $301,369 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $328,861.45 is due at closing. Uses and sources reconcile at $630,230.54 each. Not a Closing Disclosure.