Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$346,650Cash toward the purchase price.
Closing costs + prepaids$16,053Not just lender fees.
Before credits & paid funds$362,703The complete starting cash picture.
Estimated remaining funds due at closing
$362,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,649.83
Your down payment$346,649.83
Closing costs + prepaids$16,052.80
Total buyer cash needed$362,702.63
Remaining funds due$362,702.63
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%)$1,591.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,662.50
Initial HOA (3 months)$66.00
Prepaid interest, first (26 days)$614.55
Fees + prepaids$16,052.80
Your down payment is the seller’s equity. You take over the $318,350 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $362,702.63 is due at closing. Uses and sources reconcile at $681,052.80 each. Not a Closing Disclosure.