Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$282,430Cash toward the purchase price.
Closing costs + prepaids$16,384Not just lender fees.
Before credits & paid funds$298,815The complete starting cash picture.
Estimated remaining funds due at closing
$298,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,430.31
Your down payment$282,430.31
Closing costs + prepaids$16,384.41
Total buyer cash needed$298,814.72
Remaining funds due$298,814.72
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,662.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,537.50
Initial HOA (3 months)$816.00
Prepaid interest, first (28 days)$750.06
Fees + prepaids$16,384.41
Your down payment is the seller’s equity. You take over the $332,570 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $298,814.72 is due at closing. Uses and sources reconcile at $631,384.41 each. Not a Closing Disclosure.