Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$357,099Cash toward the purchase price.
Closing costs + prepaids$15,044Not just lender fees.
Before credits & paid funds$372,143The complete starting cash picture.
Estimated remaining funds due at closing
$372,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,098.89
Your down payment$357,098.89
Closing costs + prepaids$15,044.39
Total buyer cash needed$372,143.28
Remaining funds due$372,143.28
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,459.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$840.50
Initial HOA (3 months)$141.00
Prepaid interest, first (30 days)$645.38
Fees + prepaids$15,044.39
Your down payment is the seller’s equity. You take over the $291,901 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $372,143.28 is due at closing. Uses and sources reconcile at $664,044.39 each. Not a Closing Disclosure.