Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$399,812Cash toward the purchase price.
Closing costs + prepaids$14,597Not just lender fees.
Before credits & paid funds$414,408The complete starting cash picture.
Estimated remaining funds due at closing
$414,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,811.75
Your down payment$399,811.75
Closing costs + prepaids$14,596.66
Total buyer cash needed$414,408.41
Remaining funds due$414,408.41
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,350.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$578.50
Prepaid interest, first (24 days)$499.22
Fees + prepaids$14,596.66
Your down payment is the seller’s equity. You take over the $270,188 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $414,408.41 is due at closing. Uses and sources reconcile at $684,596.66 each. Not a Closing Disclosure.