Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$289,890Cash toward the purchase price.
Closing costs + prepaids$15,172Not just lender fees.
Before credits & paid funds$305,062The complete starting cash picture.
Estimated remaining funds due at closing
$305,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,890.04
Your down payment$289,890.04
Closing costs + prepaids$15,171.88
Total buyer cash needed$305,061.93
Remaining funds due$305,061.93
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%)$6,229.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,665.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$775.00
Initial HOA (3 months)$372.99
Prepaid interest, first (27 days)$660.38
Fees + prepaids$15,171.88
Your down payment is the seller’s equity. You take over the $333,108 balance, so the rest of the $622,998 price is paid at closing. A second mortgage can cover part of it. $305,061.93 is due at closing. Uses and sources reconcile at $638,169.88 each. Not a Closing Disclosure.