Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$290,169Cash toward the purchase price.
Closing costs + prepaids$16,907Not just lender fees.
Before credits & paid funds$307,077The complete starting cash picture.
Estimated remaining funds due at closing
$307,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,169.47
Your down payment$290,169.47
Closing costs + prepaids$16,907.18
Total buyer cash needed$307,076.65
Remaining funds due$307,076.65
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%)$1,924.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.50
Prepaid interest, first (28 days)$1,077.53
Fees + prepaids$16,907.18
Your down payment is the seller’s equity. You take over the $384,831 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $307,076.65 is due at closing. Uses and sources reconcile at $691,907.18 each. Not a Closing Disclosure.