Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$321,830Cash toward the purchase price.
Closing costs + prepaids$16,033Not just lender fees.
Before credits & paid funds$337,863The complete starting cash picture.
Estimated remaining funds due at closing
$337,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,830.20
Your down payment$321,830.20
Closing costs + prepaids$16,033.28
Total buyer cash needed$337,863.48
Remaining funds due$337,863.48
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,535.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$483.00
Initial HOA (3 months)$1,479.00
Prepaid interest, first (31 days)$777.43
Fees + prepaids$16,033.28
Your down payment is the seller’s equity. You take over the $307,170 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $337,863.48 is due at closing. Uses and sources reconcile at $645,033.28 each. Not a Closing Disclosure.