Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$352,951Cash toward the purchase price.
Closing costs + prepaids$14,424Not just lender fees.
Before credits & paid funds$367,375The complete starting cash picture.
Estimated remaining funds due at closing
$367,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,950.96
Your down payment$352,950.96
Closing costs + prepaids$14,423.80
Total buyer cash needed$367,374.76
Remaining funds due$367,374.76
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%)$1,310.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$811.50
Prepaid interest, first (24 days)$684.06
Fees + prepaids$14,423.80
Your down payment is the seller’s equity. You take over the $262,049 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $367,374.76 is due at closing. Uses and sources reconcile at $629,423.80 each. Not a Closing Disclosure.