Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$374,804Cash toward the purchase price.
Closing costs + prepaids$15,203Not just lender fees.
Before credits & paid funds$390,007The complete starting cash picture.
Estimated remaining funds due at closing
$390,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$374,804.01
Your down payment$374,804.01
Closing costs + prepaids$15,202.71
Total buyer cash needed$390,006.72
Remaining funds due$390,006.72
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%)$6,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,475.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$740.75
Prepaid interest, first (28 days)$819.48
Fees + prepaids$15,202.71
Your down payment is the seller’s equity. You take over the $295,096 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $390,006.72 is due at closing. Uses and sources reconcile at $685,102.71 each. Not a Closing Disclosure.