Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$343,052Cash toward the purchase price.
Closing costs + prepaids$14,814Not just lender fees.
Before credits & paid funds$357,866The complete starting cash picture.
Estimated remaining funds due at closing
$357,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,052.40
Your down payment$343,052.40
Closing costs + prepaids$14,813.60
Total buyer cash needed$357,866.00
Remaining funds due$357,866.00
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,409.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$994.00
Initial HOA (3 months)$135.00
Prepaid interest, first (27 days)$556.87
Fees + prepaids$14,813.60
Your down payment is the seller’s equity. You take over the $281,948 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $357,866.00 is due at closing. Uses and sources reconcile at $639,813.60 each. Not a Closing Disclosure.