Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$299,999Cash toward the purchase price.
Closing costs + prepaids$14,170Not just lender fees.
Before credits & paid funds$314,170The complete starting cash picture.
Estimated remaining funds due at closing
$314,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,999.23
Your down payment$299,999.23
Closing costs + prepaids$14,170.38
Total buyer cash needed$314,169.61
Remaining funds due$314,169.61
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,699.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$548.75
Prepaid interest, first (2 days)$55.13
Fees + prepaids$14,170.38
Your down payment is the seller’s equity. You take over the $339,901 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $314,169.61 is due at closing. Uses and sources reconcile at $654,070.38 each. Not a Closing Disclosure.