Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$279,197Cash toward the purchase price.
Closing costs + prepaids$15,111Not just lender fees.
Before credits & paid funds$294,308The complete starting cash picture.
Estimated remaining funds due at closing
$294,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,196.71
Your down payment$279,196.71
Closing costs + prepaids$15,111.04
Total buyer cash needed$294,307.75
Remaining funds due$294,307.75
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%)$1,803.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$768.00
Initial HOA (3 months)$339.00
Prepaid interest, first (9 days)$333.53
Fees + prepaids$15,111.04
Your down payment is the seller’s equity. You take over the $360,703 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $294,307.75 is due at closing. Uses and sources reconcile at $655,011.04 each. Not a Closing Disclosure.