Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$348,333Cash toward the purchase price.
Closing costs + prepaids$15,580Not just lender fees.
Before credits & paid funds$363,913The complete starting cash picture.
Estimated remaining funds due at closing
$363,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,333.10
Your down payment$348,333.10
Closing costs + prepaids$15,579.67
Total buyer cash needed$363,912.78
Remaining funds due$363,912.78
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,333.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,915.00
Initial HOA (3 months)$65.01
Prepaid interest, first (29 days)$648.33
Fees + prepaids$15,579.67
Your down payment is the seller’s equity. You take over the $266,667 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $363,912.78 is due at closing. Uses and sources reconcile at $630,579.67 each. Not a Closing Disclosure.