Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$398,895Cash toward the purchase price.
Closing costs + prepaids$14,850Not just lender fees.
Before credits & paid funds$413,745The complete starting cash picture.
Estimated remaining funds due at closing
$413,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,894.86
Your down payment$398,894.86
Closing costs + prepaids$14,850.26
Total buyer cash needed$413,745.12
Remaining funds due$413,745.12
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,350.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$758.75
Prepaid interest, first (26 days)$582.98
Fees + prepaids$14,850.26
Your down payment is the seller’s equity. You take over the $270,105 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $413,745.12 is due at closing. Uses and sources reconcile at $683,850.26 each. Not a Closing Disclosure.