Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$261,649Cash toward the purchase price.
Closing costs + prepaids$15,684Not just lender fees.
Before credits & paid funds$277,333The complete starting cash picture.
Estimated remaining funds due at closing
$277,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,649.07
Your down payment$261,649.07
Closing costs + prepaids$15,684.15
Total buyer cash needed$277,333.22
Remaining funds due$277,333.22
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%)$6,449.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,916.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,644.75
Prepaid interest, first (4 days)$204.80
Fees + prepaids$15,684.15
Your down payment is the seller’s equity. You take over the $383,341 balance, so the rest of the $644,990 price is paid at closing. A second mortgage can cover part of it. $277,333.22 is due at closing. Uses and sources reconcile at $660,674.15 each. Not a Closing Disclosure.