Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$338,610Cash toward the purchase price.
Closing costs + prepaids$14,023Not just lender fees.
Before credits & paid funds$352,633The complete starting cash picture.
Estimated remaining funds due at closing
$352,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,609.94
Your down payment$338,609.94
Closing costs + prepaids$14,023.04
Total buyer cash needed$352,632.98
Remaining funds due$352,632.98
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,451.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (28 days)$813.09
Fees + prepaids$14,023.04
Your down payment is the seller’s equity. You take over the $290,390 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $352,632.98 is due at closing. Uses and sources reconcile at $643,023.04 each. Not a Closing Disclosure.