Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$372,435Cash toward the purchase price.
Closing costs + prepaids$13,914Not just lender fees.
Before credits & paid funds$386,349The complete starting cash picture.
Estimated remaining funds due at closing
$386,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$372,435.21
Your down payment$372,435.21
Closing costs + prepaids$13,913.76
Total buyer cash needed$386,348.97
Remaining funds due$386,348.97
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%)$6,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,257.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$748.75
Prepaid interest, first (10 days)$199.18
Fees + prepaids$13,913.76
Your down payment is the seller’s equity. You take over the $251,565 balance, so the rest of the $624,000 price is paid at closing. A second mortgage can cover part of it. $386,348.97 is due at closing. Uses and sources reconcile at $637,913.76 each. Not a Closing Disclosure.