Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$335,047Cash toward the purchase price.
Closing costs + prepaids$14,471Not just lender fees.
Before credits & paid funds$349,518The complete starting cash picture.
Estimated remaining funds due at closing
$349,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,047.43
Your down payment$335,047.43
Closing costs + prepaids$14,470.82
Total buyer cash needed$349,518.25
Remaining funds due$349,518.25
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%)$1,424.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$631.25
Initial HOA (3 months)$330.00
Prepaid interest, first (19 days)$416.81
Fees + prepaids$14,470.82
Your down payment is the seller’s equity. You take over the $284,953 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $349,518.25 is due at closing. Uses and sources reconcile at $634,470.82 each. Not a Closing Disclosure.