Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$294,975Cash toward the purchase price.
Closing costs + prepaids$14,505Not just lender fees.
Before credits & paid funds$309,479The complete starting cash picture.
Estimated remaining funds due at closing
$309,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,974.61
Your down payment$294,974.61
Closing costs + prepaids$14,504.85
Total buyer cash needed$309,479.46
Remaining funds due$309,479.46
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%)$1,650.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$579.75
Prepaid interest, first (22 days)$556.97
Fees + prepaids$14,504.85
Your down payment is the seller’s equity. You take over the $330,025 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $309,479.46 is due at closing. Uses and sources reconcile at $639,504.85 each. Not a Closing Disclosure.