Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$278,247Cash toward the purchase price.
Closing costs + prepaids$15,286Not just lender fees.
Before credits & paid funds$293,533The complete starting cash picture.
Estimated remaining funds due at closing
$293,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,247.48
Your down payment$278,247.48
Closing costs + prepaids$15,285.71
Total buyer cash needed$293,533.18
Remaining funds due$293,533.18
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,097.50
Prepaid interest, first (24 days)$586.44
Fees + prepaids$15,285.71
Your down payment is the seller’s equity. You take over the $356,753 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $293,533.18 is due at closing. Uses and sources reconcile at $650,285.71 each. Not a Closing Disclosure.