Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$295,695Cash toward the purchase price.
Closing costs + prepaids$15,619Not just lender fees.
Before credits & paid funds$311,315The complete starting cash picture.
Estimated remaining funds due at closing
$311,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,695.09
Your down payment$295,695.09
Closing costs + prepaids$15,619.46
Total buyer cash needed$311,314.55
Remaining funds due$311,314.55
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,721.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$422.25
Prepaid interest, first (27 days)$1,609.18
Fees + prepaids$15,619.46
Your down payment is the seller’s equity. You take over the $344,205 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $311,314.55 is due at closing. Uses and sources reconcile at $655,519.46 each. Not a Closing Disclosure.