Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$377,398Cash toward the purchase price.
Closing costs + prepaids$15,156Not just lender fees.
Before credits & paid funds$392,554The complete starting cash picture.
Estimated remaining funds due at closing
$392,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,397.66
Your down payment$377,397.66
Closing costs + prepaids$15,156.20
Total buyer cash needed$392,553.86
Remaining funds due$392,553.86
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,263.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,575.00
Prepaid interest, first (25 days)$550.19
Fees + prepaids$15,156.20
Your down payment is the seller’s equity. You take over the $252,602 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $392,553.86 is due at closing. Uses and sources reconcile at $645,156.20 each. Not a Closing Disclosure.