Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$358,470Cash toward the purchase price.
Closing costs + prepaids$14,624Not just lender fees.
Before credits & paid funds$373,094The complete starting cash picture.
Estimated remaining funds due at closing
$373,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,470.30
Your down payment$358,470.30
Closing costs + prepaids$14,623.98
Total buyer cash needed$373,094.28
Remaining funds due$373,094.28
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,432.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$806.25
Prepaid interest, first (17 days)$467.08
Fees + prepaids$14,623.98
Your down payment is the seller’s equity. You take over the $286,530 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $373,094.28 is due at closing. Uses and sources reconcile at $659,623.98 each. Not a Closing Disclosure.