Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$274,323Cash toward the purchase price.
Closing costs + prepaids$16,480Not just lender fees.
Before credits & paid funds$290,804The complete starting cash picture.
Estimated remaining funds due at closing
$290,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,323.24
Your down payment$274,323.24
Closing costs + prepaids$16,480.43
Total buyer cash needed$290,803.68
Remaining funds due$290,803.68
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,703.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$464.00
Initial HOA (3 months)$987.00
Prepaid interest, first (30 days)$1,708.05
Fees + prepaids$16,480.43
Your down payment is the seller’s equity. You take over the $340,677 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $290,803.68 is due at closing. Uses and sources reconcile at $631,480.43 each. Not a Closing Disclosure.