Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$339,138Cash toward the purchase price.
Closing costs + prepaids$15,408Not just lender fees.
Before credits & paid funds$354,546The complete starting cash picture.
Estimated remaining funds due at closing
$354,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,137.94
Your down payment$339,137.94
Closing costs + prepaids$15,407.66
Total buyer cash needed$354,545.60
Remaining funds due$354,545.60
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,251.50
Initial HOA (3 months)$174.75
Prepaid interest, first (31 days)$760.60
Fees + prepaids$15,407.66
Your down payment is the seller’s equity. You take over the $290,762 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $354,545.60 is due at closing. Uses and sources reconcile at $645,307.66 each. Not a Closing Disclosure.