Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$330,946Cash toward the purchase price.
Closing costs + prepaids$15,022Not just lender fees.
Before credits & paid funds$345,968The complete starting cash picture.
Estimated remaining funds due at closing
$345,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,945.84
Your down payment$330,945.84
Closing costs + prepaids$15,022.08
Total buyer cash needed$345,967.92
Remaining funds due$345,967.92
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,594.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$587.50
Initial HOA (3 months)$82.50
Prepaid interest, first (28 days)$790.31
Fees + prepaids$15,022.08
Your down payment is the seller’s equity. You take over the $318,954 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $345,967.92 is due at closing. Uses and sources reconcile at $664,922.08 each. Not a Closing Disclosure.