Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$352,951Cash toward the purchase price.
Closing costs + prepaids$13,951Not just lender fees.
Before credits & paid funds$366,902The complete starting cash picture.
Estimated remaining funds due at closing
$366,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,950.96
Your down payment$352,950.96
Closing costs + prepaids$13,951.27
Total buyer cash needed$366,902.23
Remaining funds due$366,902.23
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,310.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$738.00
Prepaid interest, first (10 days)$285.02
Fees + prepaids$13,951.27
Your down payment is the seller’s equity. You take over the $262,049 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $366,902.23 is due at closing. Uses and sources reconcile at $628,951.27 each. Not a Closing Disclosure.