Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$300,803Cash toward the purchase price.
Closing costs + prepaids$14,964Not just lender fees.
Before credits & paid funds$315,767The complete starting cash picture.
Estimated remaining funds due at closing
$315,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,803.03
Your down payment$300,803.03
Closing costs + prepaids$14,963.72
Total buyer cash needed$315,766.75
Remaining funds due$315,766.75
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%)$1,695.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$548.75
Prepaid interest, first (31 days)$852.48
Fees + prepaids$14,963.72
Your down payment is the seller’s equity. You take over the $339,097 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $315,766.75 is due at closing. Uses and sources reconcile at $654,863.72 each. Not a Closing Disclosure.