Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$335,769Cash toward the purchase price.
Closing costs + prepaids$16,702Not just lender fees.
Before credits & paid funds$352,471The complete starting cash picture.
Estimated remaining funds due at closing
$352,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,769.37
Your down payment$335,769.37
Closing costs + prepaids$16,701.97
Total buyer cash needed$352,471.34
Remaining funds due$352,471.34
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%)$6,625.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,633.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,773.00
Initial HOA (3 months)$300.00
Prepaid interest, first (28 days)$902.31
Fees + prepaids$16,701.97
Your down payment is the seller’s equity. You take over the $326,731 balance, so the rest of the $662,500 price is paid at closing. A second mortgage can cover part of it. $352,471.34 is due at closing. Uses and sources reconcile at $679,201.97 each. Not a Closing Disclosure.