Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$287,406Cash toward the purchase price.
Closing costs + prepaids$15,243Not just lender fees.
Before credits & paid funds$302,649The complete starting cash picture.
Estimated remaining funds due at closing
$302,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,405.74
Your down payment$287,405.74
Closing costs + prepaids$15,242.87
Total buyer cash needed$302,648.61
Remaining funds due$302,648.61
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%)$6,599.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,862.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$20.50
Initial HOA (3 months)$147.00
Prepaid interest, first (23 days)$1,144.55
Fees + prepaids$15,242.87
Your down payment is the seller’s equity. You take over the $372,584 balance, so the rest of the $659,990 price is paid at closing. A second mortgage can cover part of it. $302,648.61 is due at closing. Uses and sources reconcile at $675,232.87 each. Not a Closing Disclosure.