Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$310,886Cash toward the purchase price.
Closing costs + prepaids$15,509Not just lender fees.
Before credits & paid funds$326,395The complete starting cash picture.
Estimated remaining funds due at closing
$326,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,885.96
Your down payment$310,885.96
Closing costs + prepaids$15,509.19
Total buyer cash needed$326,395.15
Remaining funds due$326,395.15
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,820.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$565.50
Initial HOA (3 months)$106.26
Prepaid interest, first (26 days)$798.86
Fees + prepaids$15,509.19
Your down payment is the seller’s equity. You take over the $364,114 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $326,395.15 is due at closing. Uses and sources reconcile at $690,509.19 each. Not a Closing Disclosure.