Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$386,880Cash toward the purchase price.
Closing costs + prepaids$17,798Not just lender fees.
Before credits & paid funds$404,678The complete starting cash picture.
Estimated remaining funds due at closing
$404,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,879.99
Your down payment$386,879.99
Closing costs + prepaids$17,798.02
Total buyer cash needed$404,678.02
Remaining funds due$404,678.02
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%)$1,440.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,465.00
Initial HOA (3 months)$209.01
Prepaid interest, first (22 days)$465.41
Fees + prepaids$17,798.02
Your down payment is the seller’s equity. You take over the $288,120 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $404,678.02 is due at closing. Uses and sources reconcile at $692,798.02 each. Not a Closing Disclosure.