Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$243,358Cash toward the purchase price.
Closing costs + prepaids$16,391Not just lender fees.
Before credits & paid funds$259,749The complete starting cash picture.
Estimated remaining funds due at closing
$259,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,358.13
Your down payment$243,358.13
Closing costs + prepaids$16,391.29
Total buyer cash needed$259,749.42
Remaining funds due$259,749.42
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,008.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,612.50
Prepaid interest, first (26 days)$852.58
Fees + prepaids$16,391.29
Your down payment is the seller’s equity. You take over the $401,642 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $259,749.42 is due at closing. Uses and sources reconcile at $661,391.29 each. Not a Closing Disclosure.