Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$342,592Cash toward the purchase price.
Closing costs + prepaids$14,233Not just lender fees.
Before credits & paid funds$356,825The complete starting cash picture.
Estimated remaining funds due at closing
$356,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,592.50
Your down payment$342,592.50
Closing costs + prepaids$14,232.64
Total buyer cash needed$356,825.14
Remaining funds due$356,825.14
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,386.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$744.00
Initial HOA (3 months)$135.00
Prepaid interest, first (10 days)$300.10
Fees + prepaids$14,232.64
Your down payment is the seller’s equity. You take over the $277,308 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $356,825.14 is due at closing. Uses and sources reconcile at $634,132.64 each. Not a Closing Disclosure.