Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$316,349Cash toward the purchase price.
Closing costs + prepaids$16,112Not just lender fees.
Before credits & paid funds$332,460The complete starting cash picture.
Estimated remaining funds due at closing
$332,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,348.80
Your down payment$316,348.80
Closing costs + prepaids$16,111.54
Total buyer cash needed$332,460.34
Remaining funds due$332,460.34
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%)$6,569.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,702.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$411.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (27 days)$760.78
Fees + prepaids$16,111.54
Your down payment is the seller’s equity. You take over the $340,551 balance, so the rest of the $656,900 price is paid at closing. A second mortgage can cover part of it. $332,460.34 is due at closing. Uses and sources reconcile at $673,011.54 each. Not a Closing Disclosure.