Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$324,532Cash toward the purchase price.
Closing costs + prepaids$15,044Not just lender fees.
Before credits & paid funds$339,576The complete starting cash picture.
Estimated remaining funds due at closing
$339,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,532.14
Your down payment$324,532.14
Closing costs + prepaids$15,043.65
Total buyer cash needed$339,575.79
Remaining funds due$339,575.79
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%)$1,552.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$821.75
Initial HOA (3 months)$60.00
Prepaid interest, first (22 days)$791.57
Fees + prepaids$15,043.65
Your down payment is the seller’s equity. You take over the $310,468 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $339,575.79 is due at closing. Uses and sources reconcile at $650,043.65 each. Not a Closing Disclosure.