Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$307,699Cash toward the purchase price.
Closing costs + prepaids$15,583Not just lender fees.
Before credits & paid funds$323,282The complete starting cash picture.
Estimated remaining funds due at closing
$323,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,699.22
Your down payment$307,699.22
Closing costs + prepaids$15,582.92
Total buyer cash needed$323,282.14
Remaining funds due$323,282.14
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,786.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$853.00
Initial HOA (3 months)$195.00
Prepaid interest, first (23 days)$630.42
Fees + prepaids$15,582.92
Your down payment is the seller’s equity. You take over the $357,301 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $323,282.14 is due at closing. Uses and sources reconcile at $680,582.92 each. Not a Closing Disclosure.