Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$334,677Cash toward the purchase price.
Closing costs + prepaids$15,094Not just lender fees.
Before credits & paid funds$349,771The complete starting cash picture.
Estimated remaining funds due at closing
$349,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,676.51
Your down payment$334,676.51
Closing costs + prepaids$15,094.32
Total buyer cash needed$349,770.83
Remaining funds due$349,770.83
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%)$1,701.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$29.00
Initial HOA (3 months)$141.24
Prepaid interest, first (27 days)$1,004.47
Fees + prepaids$15,094.32
Your down payment is the seller’s equity. You take over the $340,323 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $349,770.83 is due at closing. Uses and sources reconcile at $690,094.32 each. Not a Closing Disclosure.