Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$270,065Cash toward the purchase price.
Closing costs + prepaids$16,852Not just lender fees.
Before credits & paid funds$286,917The complete starting cash picture.
Estimated remaining funds due at closing
$286,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,065.16
Your down payment$270,065.16
Closing costs + prepaids$16,852.04
Total buyer cash needed$286,917.20
Remaining funds due$286,917.20
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,944.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,057.75
Prepaid interest, first (23 days)$791.62
Fees + prepaids$16,852.04
Your down payment is the seller’s equity. You take over the $388,935 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $286,917.20 is due at closing. Uses and sources reconcile at $675,852.04 each. Not a Closing Disclosure.