Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$345,651Cash toward the purchase price.
Closing costs + prepaids$13,159Not just lender fees.
Before credits & paid funds$358,809The complete starting cash picture.
Estimated remaining funds due at closing
$358,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,650.58
Your down payment$345,650.58
Closing costs + prepaids$13,158.60
Total buyer cash needed$358,809.18
Remaining funds due$358,809.18
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%)$1,346.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$140.75
Initial HOA (3 months)$31.26
Prepaid interest, first (1 days)$21.84
Fees + prepaids$13,158.60
Your down payment is the seller’s equity. You take over the $269,349 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $358,809.18 is due at closing. Uses and sources reconcile at $628,158.60 each. Not a Closing Disclosure.