Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$364,383Cash toward the purchase price.
Closing costs + prepaids$14,496Not just lender fees.
Before credits & paid funds$378,878The complete starting cash picture.
Estimated remaining funds due at closing
$378,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,382.75
Your down payment$364,382.75
Closing costs + prepaids$14,495.62
Total buyer cash needed$378,878.37
Remaining funds due$378,878.37
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%)$6,232.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,294.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$661.50
Initial HOA (3 months)$144.99
Prepaid interest, first (26 days)$695.05
Fees + prepaids$14,495.62
Your down payment is the seller’s equity. You take over the $258,817 balance, so the rest of the $623,200 price is paid at closing. A second mortgage can cover part of it. $378,878.37 is due at closing. Uses and sources reconcile at $637,695.62 each. Not a Closing Disclosure.