Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$362,123Cash toward the purchase price.
Closing costs + prepaids$16,199Not just lender fees.
Before credits & paid funds$378,322The complete starting cash picture.
Estimated remaining funds due at closing
$378,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,122.91
Your down payment$362,122.91
Closing costs + prepaids$16,199.31
Total buyer cash needed$378,322.23
Remaining funds due$378,322.23
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,338.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,574.75
Initial HOA (3 months)$1,038.00
Prepaid interest, first (24 days)$480.68
Fees + prepaids$16,199.31
Your down payment is the seller’s equity. You take over the $267,777 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $378,322.23 is due at closing. Uses and sources reconcile at $646,099.31 each. Not a Closing Disclosure.