Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$311,774Cash toward the purchase price.
Closing costs + prepaids$15,279Not just lender fees.
Before credits & paid funds$327,053The complete starting cash picture.
Estimated remaining funds due at closing
$327,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,774.20
Your down payment$311,774.20
Closing costs + prepaids$15,278.66
Total buyer cash needed$327,052.87
Remaining funds due$327,052.87
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,686.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,168.25
Initial HOA (3 months)$37.50
Prepaid interest, first (17 days)$428.78
Fees + prepaids$15,278.66
Your down payment is the seller’s equity. You take over the $337,226 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $327,052.87 is due at closing. Uses and sources reconcile at $664,278.66 each. Not a Closing Disclosure.