Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$302,952Cash toward the purchase price.
Closing costs + prepaids$14,955Not just lender fees.
Before credits & paid funds$317,907The complete starting cash picture.
Estimated remaining funds due at closing
$317,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,951.92
Your down payment$302,951.92
Closing costs + prepaids$14,954.58
Total buyer cash needed$317,906.51
Remaining funds due$317,906.51
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%)$6,499.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,734.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$812.50
Prepaid interest, first (17 days)$439.59
Fees + prepaids$14,954.58
Your down payment is the seller’s equity. You take over the $346,998 balance, so the rest of the $649,950 price is paid at closing. A second mortgage can cover part of it. $317,906.51 is due at closing. Uses and sources reconcile at $664,904.58 each. Not a Closing Disclosure.