Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$262,575Cash toward the purchase price.
Closing costs + prepaids$15,569Not just lender fees.
Before credits & paid funds$278,144The complete starting cash picture.
Estimated remaining funds due at closing
$278,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,575.08
Your down payment$262,575.08
Closing costs + prepaids$15,569.16
Total buyer cash needed$278,144.25
Remaining funds due$278,144.25
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,837.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,060.75
Initial HOA (3 months)$27.51
Prepaid interest, first (29 days)$875.78
Fees + prepaids$15,569.16
Your down payment is the seller’s equity. You take over the $367,425 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $278,144.25 is due at closing. Uses and sources reconcile at $645,569.16 each. Not a Closing Disclosure.