Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$311,774Cash toward the purchase price.
Closing costs + prepaids$14,966Not just lender fees.
Before credits & paid funds$326,740The complete starting cash picture.
Estimated remaining funds due at closing
$326,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,774.20
Your down payment$311,774.20
Closing costs + prepaids$14,966.09
Total buyer cash needed$326,740.29
Remaining funds due$326,740.29
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,686.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$553.00
Initial HOA (3 months)$37.50
Prepaid interest, first (29 days)$731.46
Fees + prepaids$14,966.09
Your down payment is the seller’s equity. You take over the $337,226 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $326,740.29 is due at closing. Uses and sources reconcile at $663,966.09 each. Not a Closing Disclosure.