Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$300,803Cash toward the purchase price.
Closing costs + prepaids$14,689Not just lender fees.
Before credits & paid funds$315,492The complete starting cash picture.
Estimated remaining funds due at closing
$315,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,803.03
Your down payment$300,803.03
Closing costs + prepaids$14,688.72
Total buyer cash needed$315,491.76
Remaining funds due$315,491.76
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%)$1,695.48
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 (21 days)$577.49
Fees + prepaids$14,688.72
Your down payment is the seller’s equity. You take over the $339,097 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $315,491.76 is due at closing. Uses and sources reconcile at $654,588.72 each. Not a Closing Disclosure.