Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$307,618Cash toward the purchase price.
Closing costs + prepaids$14,551Not just lender fees.
Before credits & paid funds$322,169The complete starting cash picture.
Estimated remaining funds due at closing
$322,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,618.35
Your down payment$307,618.35
Closing costs + prepaids$14,550.79
Total buyer cash needed$322,169.14
Remaining funds due$322,169.14
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,611.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$640.00
Initial HOA (3 months)$34.50
Prepaid interest, first (20 days)$496.38
Fees + prepaids$14,550.79
Your down payment is the seller’s equity. You take over the $322,382 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $322,169.14 is due at closing. Uses and sources reconcile at $644,550.79 each. Not a Closing Disclosure.