Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$317,972Cash toward the purchase price.
Closing costs + prepaids$15,025Not just lender fees.
Before credits & paid funds$332,997The complete starting cash picture.
Estimated remaining funds due at closing
$332,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,972.35
Your down payment$317,972.35
Closing costs + prepaids$15,025.10
Total buyer cash needed$332,997.45
Remaining funds due$332,997.45
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%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,660.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$614.50
Initial HOA (3 months)$182.01
Prepaid interest, first (23 days)$600.47
Fees + prepaids$15,025.10
Your down payment is the seller’s equity. You take over the $332,027 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $332,997.45 is due at closing. Uses and sources reconcile at $665,024.10 each. Not a Closing Disclosure.