Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$341,766Cash toward the purchase price.
Closing costs + prepaids$14,602Not just lender fees.
Before credits & paid funds$356,368The complete starting cash picture.
Estimated remaining funds due at closing
$356,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,766.36
Your down payment$341,766.36
Closing costs + prepaids$14,601.90
Total buyer cash needed$356,368.26
Remaining funds due$356,368.26
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,440.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$921.50
Initial HOA (3 months)$438.00
Prepaid interest, first (2 days)$34.73
Fees + prepaids$14,601.90
Your down payment is the seller’s equity. You take over the $288,134 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $356,368.26 is due at closing. Uses and sources reconcile at $644,501.90 each. Not a Closing Disclosure.