Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$305,676Cash toward the purchase price.
Closing costs + prepaids$16,008Not just lender fees.
Before credits & paid funds$321,684The complete starting cash picture.
Estimated remaining funds due at closing
$321,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,676.25
Your down payment$305,676.25
Closing costs + prepaids$16,008.07
Total buyer cash needed$321,684.32
Remaining funds due$321,684.32
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,616.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,623.00
Initial HOA (3 months)$249.00
Prepaid interest, first (28 days)$761.45
Fees + prepaids$16,008.07
Your down payment is the seller’s equity. You take over the $323,324 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $321,684.32 is due at closing. Uses and sources reconcile at $645,008.07 each. Not a Closing Disclosure.