Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$303,871Cash toward the purchase price.
Closing costs + prepaids$16,164Not just lender fees.
Before credits & paid funds$320,034The complete starting cash picture.
Estimated remaining funds due at closing
$320,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,870.64
Your down payment$303,870.64
Closing costs + prepaids$16,163.76
Total buyer cash needed$320,034.40
Remaining funds due$320,034.40
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%)$6,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,778.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$747.00
Initial HOA (3 months)$840.00
Prepaid interest, first (25 days)$735.62
Fees + prepaids$16,163.76
Your down payment is the seller’s equity. You take over the $355,629 balance, so the rest of the $659,500 price is paid at closing. A second mortgage can cover part of it. $320,034.40 is due at closing. Uses and sources reconcile at $675,663.76 each. Not a Closing Disclosure.