Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$326,018Cash toward the purchase price.
Closing costs + prepaids$15,527Not just lender fees.
Before credits & paid funds$341,545The complete starting cash picture.
Estimated remaining funds due at closing
$341,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,018.11
Your down payment$326,018.11
Closing costs + prepaids$15,527.21
Total buyer cash needed$341,545.33
Remaining funds due$341,545.33
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%)$1,494.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,593.75
Initial HOA (3 months)$594.00
Prepaid interest, first (5 days)$126.56
Fees + prepaids$15,527.21
Your down payment is the seller’s equity. You take over the $298,982 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $341,545.33 is due at closing. Uses and sources reconcile at $640,527.21 each. Not a Closing Disclosure.