Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$324,809Cash toward the purchase price.
Closing costs + prepaids$13,766Not just lender fees.
Before credits & paid funds$338,575The complete starting cash picture.
Estimated remaining funds due at closing
$338,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,808.51
Your down payment$324,808.51
Closing costs + prepaids$13,766.22
Total buyer cash needed$338,574.72
Remaining funds due$338,574.72
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,500.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$383.25
Initial HOA (3 months)$114.99
Prepaid interest, first (2 days)$49.02
Fees + prepaids$13,766.22
Your down payment is the seller’s equity. You take over the $300,191 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $338,574.72 is due at closing. Uses and sources reconcile at $638,766.22 each. Not a Closing Disclosure.