Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$315,294Cash toward the purchase price.
Closing costs + prepaids$15,859Not just lender fees.
Before credits & paid funds$331,153The complete starting cash picture.
Estimated remaining funds due at closing
$331,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,294.14
Your down payment$315,294.14
Closing costs + prepaids$15,858.75
Total buyer cash needed$331,152.89
Remaining funds due$331,152.89
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,568.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,371.25
Prepaid interest, first (22 days)$1,160.97
Fees + prepaids$15,858.75
Your down payment is the seller’s equity. You take over the $313,706 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $331,152.89 is due at closing. Uses and sources reconcile at $644,858.75 each. Not a Closing Disclosure.