Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$295,759Cash toward the purchase price.
Closing costs + prepaids$16,444Not just lender fees.
Before credits & paid funds$312,203The complete starting cash picture.
Estimated remaining funds due at closing
$312,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,759.18
Your down payment$295,759.18
Closing costs + prepaids$16,443.66
Total buyer cash needed$312,202.84
Remaining funds due$312,202.84
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%)$6,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,916.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$563.25
Prepaid interest, first (25 days)$1,706.21
Fees + prepaids$16,443.66
Your down payment is the seller’s equity. You take over the $383,241 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $312,202.84 is due at closing. Uses and sources reconcile at $695,443.66 each. Not a Closing Disclosure.