Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$419,196Cash toward the purchase price.
Closing costs + prepaids$15,722Not just lender fees.
Before credits & paid funds$434,918The complete starting cash picture.
Estimated remaining funds due at closing
$434,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,195.83
Your down payment$419,195.83
Closing costs + prepaids$15,722.01
Total buyer cash needed$434,917.84
Remaining funds due$434,917.84
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%)$6,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,274.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,685.00
Prepaid interest, first (25 days)$554.98
Fees + prepaids$15,722.01
Your down payment is the seller’s equity. You take over the $254,804 balance, so the rest of the $674,000 price is paid at closing. A second mortgage can cover part of it. $434,917.84 is due at closing. Uses and sources reconcile at $689,722.01 each. Not a Closing Disclosure.