Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$331,202Cash toward the purchase price.
Closing costs + prepaids$15,626Not just lender fees.
Before credits & paid funds$346,828The complete starting cash picture.
Estimated remaining funds due at closing
$346,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,202.08
Your down payment$331,202.08
Closing costs + prepaids$15,626.20
Total buyer cash needed$346,828.27
Remaining funds due$346,828.27
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%)$6,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,468.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.50
Prepaid interest, first (28 days)$876.72
Fees + prepaids$15,626.20
Your down payment is the seller’s equity. You take over the $293,797 balance, so the rest of the $624,999 price is paid at closing. A second mortgage can cover part of it. $346,828.27 is due at closing. Uses and sources reconcile at $640,625.20 each. Not a Closing Disclosure.