Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$308,517Cash toward the purchase price.
Closing costs + prepaids$15,549Not just lender fees.
Before credits & paid funds$324,066The complete starting cash picture.
Estimated remaining funds due at closing
$324,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,516.89
Your down payment$308,516.89
Closing costs + prepaids$15,548.73
Total buyer cash needed$324,065.61
Remaining funds due$324,065.61
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%)$6,199.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,557.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,550.00
Prepaid interest, first (24 days)$774.06
Fees + prepaids$15,548.73
Your down payment is the seller’s equity. You take over the $311,433 balance, so the rest of the $619,950 price is paid at closing. A second mortgage can cover part of it. $324,065.61 is due at closing. Uses and sources reconcile at $635,498.73 each. Not a Closing Disclosure.