Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$322,827Cash toward the purchase price.
Closing costs + prepaids$18,488Not just lender fees.
Before credits & paid funds$341,315The complete starting cash picture.
Estimated remaining funds due at closing
$341,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,827.16
Your down payment$322,827.16
Closing costs + prepaids$18,488.33
Total buyer cash needed$341,315.49
Remaining funds due$341,315.49
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,567.50
Initial HOA (3 months)$82.50
Prepaid interest, first (22 days)$709.46
Fees + prepaids$18,488.33
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $341,315.49 is due at closing. Uses and sources reconcile at $703,488.33 each. Not a Closing Disclosure.