Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$335,884Cash toward the purchase price.
Closing costs + prepaids$15,385Not just lender fees.
Before credits & paid funds$351,269The complete starting cash picture.
Estimated remaining funds due at closing
$351,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,884.31
Your down payment$335,884.31
Closing costs + prepaids$15,384.97
Total buyer cash needed$351,269.27
Remaining funds due$351,269.27
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%)$6,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,568.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$909.50
Initial HOA (3 months)$366.99
Prepaid interest, first (24 days)$577.40
Fees + prepaids$15,384.97
Your down payment is the seller’s equity. You take over the $313,616 balance, so the rest of the $649,500 price is paid at closing. A second mortgage can cover part of it. $351,269.27 is due at closing. Uses and sources reconcile at $664,884.97 each. Not a Closing Disclosure.