Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$330,150Cash toward the purchase price.
Closing costs + prepaids$13,955Not just lender fees.
Before credits & paid funds$344,105The complete starting cash picture.
Estimated remaining funds due at closing
$344,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,149.91
Your down payment$330,149.91
Closing costs + prepaids$13,955.13
Total buyer cash needed$344,105.03
Remaining funds due$344,105.03
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%)$6,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,394.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$431.50
Prepaid interest, first (27 days)$571.38
Fees + prepaids$13,955.13
Your down payment is the seller’s equity. You take over the $278,850 balance, so the rest of the $609,000 price is paid at closing. A second mortgage can cover part of it. $344,105.03 is due at closing. Uses and sources reconcile at $622,955.13 each. Not a Closing Disclosure.