Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$287,169Cash toward the purchase price.
Closing costs + prepaids$17,032Not just lender fees.
Before credits & paid funds$304,201The complete starting cash picture.
Estimated remaining funds due at closing
$304,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,169.41
Your down payment$287,169.41
Closing costs + prepaids$17,031.83
Total buyer cash needed$304,201.24
Remaining funds due$304,201.24
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%)$6,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,754.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,331.75
Initial HOA (3 months)$1,086.00
Prepaid interest, first (28 days)$1,011.93
Fees + prepaids$17,031.83
Your down payment is the seller’s equity. You take over the $350,831 balance, so the rest of the $638,000 price is paid at closing. A second mortgage can cover part of it. $304,201.24 is due at closing. Uses and sources reconcile at $655,031.83 each. Not a Closing Disclosure.