Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$310,437Cash toward the purchase price.
Closing costs + prepaids$16,810Not just lender fees.
Before credits & paid funds$327,247The complete starting cash picture.
Estimated remaining funds due at closing
$327,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,436.53
Your down payment$310,436.53
Closing costs + prepaids$16,810.48
Total buyer cash needed$327,247.01
Remaining funds due$327,247.01
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%)$1,642.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,597.50
Initial HOA (3 months)$1,077.00
Prepaid interest, first (24 days)$635.16
Fees + prepaids$16,810.48
Your down payment is the seller’s equity. You take over the $328,563 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $327,247.01 is due at closing. Uses and sources reconcile at $655,810.48 each. Not a Closing Disclosure.