Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$318,609Cash toward the purchase price.
Closing costs + prepaids$17,491Not just lender fees.
Before credits & paid funds$336,100The complete starting cash picture.
Estimated remaining funds due at closing
$336,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,608.81
Your down payment$318,608.81
Closing costs + prepaids$17,490.99
Total buyer cash needed$336,099.81
Remaining funds due$336,099.81
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,751.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,672.50
Initial HOA (3 months)$1,245.00
Prepaid interest, first (24 days)$663.54
Fees + prepaids$17,490.99
Your down payment is the seller’s equity. You take over the $350,391 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $336,099.81 is due at closing. Uses and sources reconcile at $686,490.99 each. Not a Closing Disclosure.