Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$273,412Cash toward the purchase price.
Closing costs + prepaids$16,621Not just lender fees.
Before credits & paid funds$290,033The complete starting cash picture.
Estimated remaining funds due at closing
$290,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,412.05
Your down payment$273,412.05
Closing costs + prepaids$16,621.40
Total buyer cash needed$290,033.44
Remaining funds due$290,033.44
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%)$6,725.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,995.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,681.25
Prepaid interest, first (25 days)$751.71
Fees + prepaids$16,621.40
Your down payment is the seller’s equity. You take over the $399,088 balance, so the rest of the $672,500 price is paid at closing. A second mortgage can cover part of it. $290,033.44 is due at closing. Uses and sources reconcile at $689,121.40 each. Not a Closing Disclosure.