Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$323,713Cash toward the purchase price.
Closing costs + prepaids$14,707Not just lender fees.
Before credits & paid funds$338,420The complete starting cash picture.
Estimated remaining funds due at closing
$338,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,713.31
Your down payment$323,713.31
Closing costs + prepaids$14,707.17
Total buyer cash needed$338,420.49
Remaining funds due$338,420.49
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%)$6,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,555.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$584.00
Initial HOA (3 months)$56.25
Prepaid interest, first (22 days)$693.99
Fees + prepaids$14,707.17
Your down payment is the seller’s equity. You take over the $311,187 balance, so the rest of the $634,900 price is paid at closing. A second mortgage can cover part of it. $338,420.49 is due at closing. Uses and sources reconcile at $649,607.17 each. Not a Closing Disclosure.