Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$325,688Cash toward the purchase price.
Closing costs + prepaids$15,391Not just lender fees.
Before credits & paid funds$341,079The complete starting cash picture.
Estimated remaining funds due at closing
$341,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,688.23
Your down payment$325,688.23
Closing costs + prepaids$15,390.77
Total buyer cash needed$341,079.00
Remaining funds due$341,079.00
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,471.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,549.75
Prepaid interest, first (27 days)$702.96
Fees + prepaids$15,390.77
Your down payment is the seller’s equity. You take over the $294,212 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $341,079.00 is due at closing. Uses and sources reconcile at $635,290.77 each. Not a Closing Disclosure.