Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$293,453Cash toward the purchase price.
Closing costs + prepaids$17,408Not just lender fees.
Before credits & paid funds$310,861The complete starting cash picture.
Estimated remaining funds due at closing
$310,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,453.10
Your down payment$293,453.10
Closing costs + prepaids$17,408.37
Total buyer cash needed$310,861.47
Remaining funds due$310,861.47
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,657.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.50
Initial HOA (3 months)$750.00
Prepaid interest, first (29 days)$1,720.14
Fees + prepaids$17,408.37
Your down payment is the seller’s equity. You take over the $331,547 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $310,861.47 is due at closing. Uses and sources reconcile at $642,408.37 each. Not a Closing Disclosure.