Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$264,283Cash toward the purchase price.
Closing costs + prepaids$18,135Not just lender fees.
Before credits & paid funds$282,418The complete starting cash picture.
Estimated remaining funds due at closing
$282,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,283.29
Your down payment$264,283.29
Closing costs + prepaids$18,134.96
Total buyer cash needed$282,418.26
Remaining funds due$282,418.26
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%)$6,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,898.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,113.50
Initial HOA (3 months)$546.00
Prepaid interest, first (26 days)$1,668.88
Fees + prepaids$18,134.96
Your down payment is the seller’s equity. You take over the $379,717 balance, so the rest of the $644,000 price is paid at closing. A second mortgage can cover part of it. $282,418.26 is due at closing. Uses and sources reconcile at $662,134.96 each. Not a Closing Disclosure.