Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$287,023Cash toward the purchase price.
Closing costs + prepaids$15,858Not just lender fees.
Before credits & paid funds$302,881The complete starting cash picture.
Estimated remaining funds due at closing
$302,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,022.73
Your down payment$287,022.73
Closing costs + prepaids$15,858.48
Total buyer cash needed$302,881.21
Remaining funds due$302,881.21
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,689.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.50
Prepaid interest, first (23 days)$888.09
Fees + prepaids$15,858.48
Your down payment is the seller’s equity. You take over the $337,977 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $302,881.21 is due at closing. Uses and sources reconcile at $640,858.48 each. Not a Closing Disclosure.