Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$269,525Cash toward the purchase price.
Closing costs + prepaids$16,975Not just lender fees.
Before credits & paid funds$286,499The complete starting cash picture.
Estimated remaining funds due at closing
$286,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,524.65
Your down payment$269,524.65
Closing costs + prepaids$16,974.66
Total buyer cash needed$286,499.32
Remaining funds due$286,499.32
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,977.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,809.25
Initial HOA (3 months)$252.00
Prepaid interest, first (25 days)$818.04
Fees + prepaids$16,974.66
Your down payment is the seller’s equity. You take over the $395,475 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $286,499.32 is due at closing. Uses and sources reconcile at $681,974.66 each. Not a Closing Disclosure.