Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$300,997Cash toward the purchase price.
Closing costs + prepaids$14,101Not just lender fees.
Before credits & paid funds$315,097The complete starting cash picture.
Estimated remaining funds due at closing
$315,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,996.62
Your down payment$300,996.62
Closing costs + prepaids$14,100.78
Total buyer cash needed$315,097.40
Remaining funds due$315,097.40
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%)$6,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,669.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$497.25
Initial HOA (3 months)$62.49
Prepaid interest, first (2 days)$54.52
Fees + prepaids$14,100.78
Your down payment is the seller’s equity. You take over the $333,903 balance, so the rest of the $634,900 price is paid at closing. A second mortgage can cover part of it. $315,097.40 is due at closing. Uses and sources reconcile at $649,000.78 each. Not a Closing Disclosure.