Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$288,017Cash toward the purchase price.
Closing costs + prepaids$16,502Not just lender fees.
Before credits & paid funds$304,519The complete starting cash picture.
Estimated remaining funds due at closing
$304,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,016.83
Your down payment$288,016.83
Closing costs + prepaids$16,501.98
Total buyer cash needed$304,518.81
Remaining funds due$304,518.81
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,709.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,969.00
Prepaid interest, first (30 days)$1,056.56
Fees + prepaids$16,501.98
Your down payment is the seller’s equity. You take over the $341,883 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $304,518.81 is due at closing. Uses and sources reconcile at $646,401.98 each. Not a Closing Disclosure.