Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$357,053Cash toward the purchase price.
Closing costs + prepaids$13,657Not just lender fees.
Before credits & paid funds$370,710The complete starting cash picture.
Estimated remaining funds due at closing
$370,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,053.24
Your down payment$357,053.24
Closing costs + prepaids$13,657.23
Total buyer cash needed$370,710.47
Remaining funds due$370,710.47
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,314.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$112.50
Prepaid interest, first (25 days)$563.50
Fees + prepaids$13,657.23
Your down payment is the seller’s equity. You take over the $262,847 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $370,710.47 is due at closing. Uses and sources reconcile at $633,557.23 each. Not a Closing Disclosure.