Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$273,895Cash toward the purchase price.
Closing costs + prepaids$18,154Not just lender fees.
Before credits & paid funds$292,049The complete starting cash picture.
Estimated remaining funds due at closing
$292,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,894.97
Your down payment$273,894.97
Closing costs + prepaids$18,154.43
Total buyer cash needed$292,049.40
Remaining funds due$292,049.40
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%)$1,805.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,878.25
Initial HOA (3 months)$155.01
Prepaid interest, first (29 days)$1,497.65
Fees + prepaids$18,154.43
Your down payment is the seller’s equity. You take over the $361,105 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $292,049.40 is due at closing. Uses and sources reconcile at $653,154.43 each. Not a Closing Disclosure.