Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$330,904Cash toward the purchase price.
Closing costs + prepaids$14,226Not just lender fees.
Before credits & paid funds$345,130The complete starting cash picture.
Estimated remaining funds due at closing
$345,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,904.24
Your down payment$330,904.24
Closing costs + prepaids$14,225.95
Total buyer cash needed$345,130.19
Remaining funds due$345,130.19
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,470.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Initial HOA (3 months)$16.74
Prepaid interest, first (12 days)$270.73
Fees + prepaids$14,225.95
Your down payment is the seller’s equity. You take over the $294,096 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $345,130.19 is due at closing. Uses and sources reconcile at $639,225.95 each. Not a Closing Disclosure.