Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$367,877Cash toward the purchase price.
Closing costs + prepaids$14,345Not just lender fees.
Before credits & paid funds$382,222The complete starting cash picture.
Estimated remaining funds due at closing
$382,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,877.02
Your down payment$367,877.02
Closing costs + prepaids$14,345.19
Total buyer cash needed$382,222.21
Remaining funds due$382,222.21
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,285.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$502.25
Initial HOA (3 months)$182.01
Prepaid interest, first (31 days)$657.32
Fees + prepaids$14,345.19
Your down payment is the seller’s equity. You take over the $257,123 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $382,222.21 is due at closing. Uses and sources reconcile at $639,345.19 each. Not a Closing Disclosure.