Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$341,443Cash toward the purchase price.
Closing costs + prepaids$14,248Not just lender fees.
Before credits & paid funds$355,691The complete starting cash picture.
Estimated remaining funds due at closing
$355,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,442.64
Your down payment$341,442.64
Closing costs + prepaids$14,248.43
Total buyer cash needed$355,691.07
Remaining funds due$355,691.07
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%)$1,417.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Prepaid interest, first (12 days)$362.64
Fees + prepaids$14,248.43
Your down payment is the seller’s equity. You take over the $283,557 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $355,691.07 is due at closing. Uses and sources reconcile at $639,248.43 each. Not a Closing Disclosure.