Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$323,305Cash toward the purchase price.
Closing costs + prepaids$15,237Not just lender fees.
Before credits & paid funds$338,543The complete starting cash picture.
Estimated remaining funds due at closing
$338,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,305.20
Your down payment$323,305.20
Closing costs + prepaids$15,237.38
Total buyer cash needed$338,542.58
Remaining funds due$338,542.58
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,433.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,156.75
Initial HOA (3 months)$272.01
Prepaid interest, first (28 days)$807.14
Fees + prepaids$15,237.38
Your down payment is the seller’s equity. You take over the $286,695 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $338,542.58 is due at closing. Uses and sources reconcile at $625,237.38 each. Not a Closing Disclosure.