Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$342,049Cash toward the purchase price.
Closing costs + prepaids$15,009Not just lender fees.
Before credits & paid funds$357,058The complete starting cash picture.
Estimated remaining funds due at closing
$357,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,049.19
Your down payment$342,049.19
Closing costs + prepaids$15,009.04
Total buyer cash needed$357,058.23
Remaining funds due$357,058.23
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%)$1,614.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$438.00
Initial HOA (3 months)$180.00
Prepaid interest, first (24 days)$658.29
Fees + prepaids$15,009.04
Your down payment is the seller’s equity. You take over the $322,951 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $357,058.23 is due at closing. Uses and sources reconcile at $680,009.04 each. Not a Closing Disclosure.