Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$258,683Cash toward the purchase price.
Closing costs + prepaids$14,905Not just lender fees.
Before credits & paid funds$273,588The complete starting cash picture.
Estimated remaining funds due at closing
$273,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,682.61
Your down payment$258,682.61
Closing costs + prepaids$14,904.96
Total buyer cash needed$273,587.57
Remaining funds due$273,587.57
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,856.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$756.00
Initial HOA (3 months)$209.01
Prepaid interest, first (10 days)$315.37
Fees + prepaids$14,904.96
Your down payment is the seller’s equity. You take over the $371,317 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $273,587.57 is due at closing. Uses and sources reconcile at $644,904.96 each. Not a Closing Disclosure.