Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$327,759Cash toward the purchase price.
Closing costs + prepaids$14,402Not just lender fees.
Before credits & paid funds$342,160The complete starting cash picture.
Estimated remaining funds due at closing
$342,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,758.72
Your down payment$327,758.72
Closing costs + prepaids$14,401.78
Total buyer cash needed$342,160.50
Remaining funds due$342,160.50
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%)$6,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,435.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$738.00
Initial HOA (3 months)$438.00
Prepaid interest, first (10 days)$173.07
Fees + prepaids$14,401.78
Your down payment is the seller’s equity. You take over the $287,141 balance, so the rest of the $614,900 price is paid at closing. A second mortgage can cover part of it. $342,160.50 is due at closing. Uses and sources reconcile at $629,301.78 each. Not a Closing Disclosure.