Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$349,325Cash toward the purchase price.
Closing costs + prepaids$14,183Not just lender fees.
Before credits & paid funds$363,507The complete starting cash picture.
Estimated remaining funds due at closing
$363,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,324.67
Your down payment$349,324.67
Closing costs + prepaids$14,182.77
Total buyer cash needed$363,507.44
Remaining funds due$363,507.44
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,328.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$738.00
Initial HOA (3 months)$225.00
Prepaid interest, first (12 days)$273.39
Fees + prepaids$14,182.77
Your down payment is the seller’s equity. You take over the $265,675 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $363,507.44 is due at closing. Uses and sources reconcile at $629,182.77 each. Not a Closing Disclosure.