Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$295,325Cash toward the purchase price.
Closing costs + prepaids$14,738Not just lender fees.
Before credits & paid funds$310,063The complete starting cash picture.
Estimated remaining funds due at closing
$310,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,325.02
Your down payment$295,325.02
Closing costs + prepaids$14,738.40
Total buyer cash needed$310,063.42
Remaining funds due$310,063.42
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%)$6,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,693.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$709.25
Prepaid interest, first (18 days)$527.78
Fees + prepaids$14,738.40
Your down payment is the seller’s equity. You take over the $338,675 balance, so the rest of the $634,000 price is paid at closing. A second mortgage can cover part of it. $310,063.42 is due at closing. Uses and sources reconcile at $648,738.40 each. Not a Closing Disclosure.