Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$312,753Cash toward the purchase price.
Closing costs + prepaids$16,470Not just lender fees.
Before credits & paid funds$329,223The complete starting cash picture.
Estimated remaining funds due at closing
$329,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,753.45
Your down payment$312,753.45
Closing costs + prepaids$16,470.01
Total buyer cash needed$329,223.47
Remaining funds due$329,223.47
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%)$1,785.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,157.75
Initial HOA (3 months)$315.00
Prepaid interest, first (25 days)$1,044.53
Fees + prepaids$16,470.01
Your down payment is the seller’s equity. You take over the $357,147 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $329,223.47 is due at closing. Uses and sources reconcile at $686,370.01 each. Not a Closing Disclosure.