Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$311,656Cash toward the purchase price.
Closing costs + prepaids$40,705Not just lender fees.
Before credits & paid funds$352,361The complete starting cash picture.
Estimated remaining funds due at closing
$352,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,656.04
Your down payment$311,656.04
Closing costs + prepaids$40,704.84
Total buyer cash needed$352,360.87
Remaining funds due$352,360.87
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%)$16,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,766.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,162.50
Prepaid interest, first (27 days)$6,907.62
Fees + prepaids$40,704.84
Your down payment is the seller’s equity. You take over the $1,353,344 balance, so the rest of the $1,665,000 price is paid at closing. A second mortgage can cover part of it. $352,360.87 is due at closing. Uses and sources reconcile at $1,705,704.84 each. Not a Closing Disclosure.