Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$289,838Cash toward the purchase price.
Closing costs + prepaids$15,803Not just lender fees.
Before credits & paid funds$305,642The complete starting cash picture.
Estimated remaining funds due at closing
$305,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,838.40
Your down payment$289,838.40
Closing costs + prepaids$15,803.45
Total buyer cash needed$305,641.84
Remaining funds due$305,641.84
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%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,800.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,028.75
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$825.90
Fees + prepaids$15,803.45
Your down payment is the seller’s equity. You take over the $360,161 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $305,641.84 is due at closing. Uses and sources reconcile at $665,802.45 each. Not a Closing Disclosure.