Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$281,781Cash toward the purchase price.
Closing costs + prepaids$14,878Not just lender fees.
Before credits & paid funds$296,659The complete starting cash picture.
Estimated remaining funds due at closing
$296,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,781.40
Your down payment$281,781.40
Closing costs + prepaids$14,877.63
Total buyer cash needed$296,659.03
Remaining funds due$296,659.03
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%)$1,666.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$993.00
Initial HOA (3 months)$56.25
Prepaid interest, first (22 days)$544.29
Fees + prepaids$14,877.63
Your down payment is the seller’s equity. You take over the $333,219 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $296,659.03 is due at closing. Uses and sources reconcile at $629,877.63 each. Not a Closing Disclosure.