Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$288,684Cash toward the purchase price.
Closing costs + prepaids$15,960Not just lender fees.
Before credits & paid funds$304,643The complete starting cash picture.
Estimated remaining funds due at closing
$304,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,683.59
Your down payment$288,683.59
Closing costs + prepaids$15,959.54
Total buyer cash needed$304,643.13
Remaining funds due$304,643.13
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,751.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,597.50
Prepaid interest, first (28 days)$752.46
Fees + prepaids$15,959.54
Your down payment is the seller’s equity. You take over the $350,316 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $304,643.13 is due at closing. Uses and sources reconcile at $654,959.54 each. Not a Closing Disclosure.