Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$302,952Cash toward the purchase price.
Closing costs + prepaids$15,251Not just lender fees.
Before credits & paid funds$318,203The complete starting cash picture.
Estimated remaining funds due at closing
$318,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,951.92
Your down payment$302,951.92
Closing costs + prepaids$15,251.42
Total buyer cash needed$318,203.34
Remaining funds due$318,203.34
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%)$6,499.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,734.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$850.75
Prepaid interest, first (27 days)$698.18
Fees + prepaids$15,251.42
Your down payment is the seller’s equity. You take over the $346,998 balance, so the rest of the $649,950 price is paid at closing. A second mortgage can cover part of it. $318,203.34 is due at closing. Uses and sources reconcile at $665,201.42 each. Not a Closing Disclosure.