Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$357,148Cash toward the purchase price.
Closing costs + prepaids$14,936Not just lender fees.
Before credits & paid funds$372,084The complete starting cash picture.
Estimated remaining funds due at closing
$372,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,148.12
Your down payment$357,148.12
Closing costs + prepaids$14,936.19
Total buyer cash needed$372,084.30
Remaining funds due$372,084.30
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%)$6,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,513.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$733.50
Prepaid interest, first (23 days)$621.93
Fees + prepaids$14,936.19
Your down payment is the seller’s equity. You take over the $302,752 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $372,084.30 is due at closing. Uses and sources reconcile at $674,836.19 each. Not a Closing Disclosure.