Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$342,303Cash toward the purchase price.
Closing costs + prepaids$16,267Not just lender fees.
Before credits & paid funds$358,570The complete starting cash picture.
Estimated remaining funds due at closing
$358,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,303.13
Your down payment$342,303.13
Closing costs + prepaids$16,266.99
Total buyer cash needed$358,570.12
Remaining funds due$358,570.12
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,638.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$804.00
Initial HOA (3 months)$699.00
Prepaid interest, first (27 days)$957.50
Fees + prepaids$16,266.99
Your down payment is the seller’s equity. You take over the $327,697 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $358,570.12 is due at closing. Uses and sources reconcile at $686,266.99 each. Not a Closing Disclosure.