Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$313,785Cash toward the purchase price.
Closing costs + prepaids$15,254Not just lender fees.
Before credits & paid funds$329,039The complete starting cash picture.
Estimated remaining funds due at closing
$329,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,785.32
Your down payment$313,785.32
Closing costs + prepaids$15,253.91
Total buyer cash needed$329,039.23
Remaining funds due$329,039.23
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%)$1,556.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,010.75
Initial HOA (3 months)$215.01
Prepaid interest, first (22 days)$754.08
Fees + prepaids$15,253.91
Your down payment is the seller’s equity. You take over the $311,215 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $329,039.23 is due at closing. Uses and sources reconcile at $640,253.91 each. Not a Closing Disclosure.