Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$216,258Cash toward the purchase price.
Closing costs + prepaids$18,058Not just lender fees.
Before credits & paid funds$234,316The complete starting cash picture.
Estimated remaining funds due at closing
$234,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,258.44
Your down payment$216,258.44
Closing costs + prepaids$18,057.75
Total buyer cash needed$234,316.19
Remaining funds due$234,316.19
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%)$6,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,313.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,108.25
Initial HOA (3 months)$609.99
Prepaid interest, first (24 days)$1,767.80
Fees + prepaids$18,057.75
Your down payment is the seller’s equity. You take over the $462,742 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $234,316.19 is due at closing. Uses and sources reconcile at $697,057.75 each. Not a Closing Disclosure.