Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$297,269Cash toward the purchase price.
Closing costs + prepaids$15,856Not just lender fees.
Before credits & paid funds$313,125The complete starting cash picture.
Estimated remaining funds due at closing
$313,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,268.71
Your down payment$297,268.71
Closing costs + prepaids$15,855.96
Total buyer cash needed$313,124.67
Remaining funds due$313,124.67
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,758.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,355.25
Initial HOA (3 months)$109.50
Prepaid interest, first (28 days)$674.55
Fees + prepaids$15,855.96
Your down payment is the seller’s equity. You take over the $351,731 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $313,124.67 is due at closing. Uses and sources reconcile at $664,855.96 each. Not a Closing Disclosure.