Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$295,206Cash toward the purchase price.
Closing costs + prepaids$15,223Not just lender fees.
Before credits & paid funds$310,429The complete starting cash picture.
Estimated remaining funds due at closing
$310,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,206.03
Your down payment$295,206.03
Closing costs + prepaids$15,223.27
Total buyer cash needed$310,429.30
Remaining funds due$310,429.30
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%)$1,718.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$666.00
Initial HOA (3 months)$168.00
Prepaid interest, first (22 days)$812.30
Fees + prepaids$15,223.27
Your down payment is the seller’s equity. You take over the $343,794 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $310,429.30 is due at closing. Uses and sources reconcile at $654,223.27 each. Not a Closing Disclosure.