Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$272,925Cash toward the purchase price.
Closing costs + prepaids$17,158Not just lender fees.
Before credits & paid funds$290,083The complete starting cash picture.
Estimated remaining funds due at closing
$290,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,925.18
Your down payment$272,925.18
Closing costs + prepaids$17,157.77
Total buyer cash needed$290,082.95
Remaining funds due$290,082.95
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,587.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (27 days)$891.89
Fees + prepaids$17,157.77
Your down payment is the seller’s equity. You take over the $362,075 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $290,082.95 is due at closing. Uses and sources reconcile at $652,157.77 each. Not a Closing Disclosure.