Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$325,527Cash toward the purchase price.
Closing costs + prepaids$14,349Not just lender fees.
Before credits & paid funds$339,876The complete starting cash picture.
Estimated remaining funds due at closing
$339,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,526.89
Your down payment$325,526.89
Closing costs + prepaids$14,349.31
Total buyer cash needed$339,876.19
Remaining funds due$339,876.19
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,497.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$383.25
Initial HOA (3 months)$114.99
Prepaid interest, first (26 days)$635.70
Fees + prepaids$14,349.31
Your down payment is the seller’s equity. You take over the $299,473 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $339,876.19 is due at closing. Uses and sources reconcile at $639,349.31 each. Not a Closing Disclosure.