Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$321,097Cash toward the purchase price.
Closing costs + prepaids$15,285Not just lender fees.
Before credits & paid funds$336,382The complete starting cash picture.
Estimated remaining funds due at closing
$336,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,096.94
Your down payment$321,096.94
Closing costs + prepaids$15,284.65
Total buyer cash needed$336,381.60
Remaining funds due$336,381.60
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,539.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$483.00
Initial HOA (3 months)$1,479.00
Prepaid interest, first (1 days)$25.14
Fees + prepaids$15,284.65
Your down payment is the seller’s equity. You take over the $307,903 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $336,381.60 is due at closing. Uses and sources reconcile at $644,284.65 each. Not a Closing Disclosure.