Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$309,380Cash toward the purchase price.
Closing costs + prepaids$16,828Not just lender fees.
Before credits & paid funds$326,208The complete starting cash picture.
Estimated remaining funds due at closing
$326,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,380.38
Your down payment$309,380.38
Closing costs + prepaids$16,827.56
Total buyer cash needed$326,207.94
Remaining funds due$326,207.94
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,828.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,653.75
Prepaid interest, first (26 days)$1,127.71
Fees + prepaids$16,827.56
Your down payment is the seller’s equity. You take over the $365,620 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $326,207.94 is due at closing. Uses and sources reconcile at $691,827.56 each. Not a Closing Disclosure.