Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$368,132Cash toward the purchase price.
Closing costs + prepaids$14,043Not just lender fees.
Before credits & paid funds$382,176The complete starting cash picture.
Estimated remaining funds due at closing
$382,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,132.43
Your down payment$368,132.43
Closing costs + prepaids$14,043.31
Total buyer cash needed$382,175.74
Remaining funds due$382,175.74
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,259.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$775.00
Initial HOA (3 months)$12.51
Prepaid interest, first (17 days)$328.46
Fees + prepaids$14,043.31
Your down payment is the seller’s equity. You take over the $251,868 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $382,175.74 is due at closing. Uses and sources reconcile at $634,043.31 each. Not a Closing Disclosure.