Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$306,720Cash toward the purchase price.
Closing costs + prepaids$16,439Not just lender fees.
Before credits & paid funds$323,159The complete starting cash picture.
Estimated remaining funds due at closing
$323,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,720.19
Your down payment$306,720.19
Closing costs + prepaids$16,438.71
Total buyer cash needed$323,158.90
Remaining funds due$323,158.90
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,816.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,675.00
Prepaid interest, first (27 days)$779.31
Fees + prepaids$16,438.71
Your down payment is the seller’s equity. You take over the $363,280 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $323,158.90 is due at closing. Uses and sources reconcile at $686,438.71 each. Not a Closing Disclosure.