Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$317,375Cash toward the purchase price.
Closing costs + prepaids$15,828Not just lender fees.
Before credits & paid funds$333,203The complete starting cash picture.
Estimated remaining funds due at closing
$333,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,375.21
Your down payment$317,375.21
Closing costs + prepaids$15,827.83
Total buyer cash needed$333,203.04
Remaining funds due$333,203.04
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%)$6,298.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,562.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,256.50
Initial HOA (3 months)$47.49
Prepaid interest, first (30 days)$1,194.40
Fees + prepaids$15,827.83
Your down payment is the seller’s equity. You take over the $312,513 balance, so the rest of the $629,888 price is paid at closing. A second mortgage can cover part of it. $333,203.04 is due at closing. Uses and sources reconcile at $645,715.83 each. Not a Closing Disclosure.