Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$309,857Cash toward the purchase price.
Closing costs + prepaids$14,771Not just lender fees.
Before credits & paid funds$324,628The complete starting cash picture.
Estimated remaining funds due at closing
$324,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,856.92
Your down payment$309,856.92
Closing costs + prepaids$14,770.61
Total buyer cash needed$324,627.53
Remaining funds due$324,627.53
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,575.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$901.00
Prepaid interest, first (23 days)$575.89
Fees + prepaids$14,770.61
Your down payment is the seller’s equity. You take over the $315,143 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $324,627.53 is due at closing. Uses and sources reconcile at $639,770.61 each. Not a Closing Disclosure.