Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$382,320Cash toward the purchase price.
Closing costs + prepaids$14,330Not just lender fees.
Before credits & paid funds$396,651The complete starting cash picture.
Estimated remaining funds due at closing
$396,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,320.49
Your down payment$382,320.49
Closing costs + prepaids$14,330.36
Total buyer cash needed$396,650.85
Remaining funds due$396,650.85
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,238.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$656.25
Prepaid interest, first (30 days)$667.72
Fees + prepaids$14,330.36
Your down payment is the seller’s equity. You take over the $247,680 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $396,650.85 is due at closing. Uses and sources reconcile at $644,330.36 each. Not a Closing Disclosure.