Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$358,082Cash toward the purchase price.
Closing costs + prepaids$16,746Not just lender fees.
Before credits & paid funds$374,828The complete starting cash picture.
Estimated remaining funds due at closing
$374,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,081.58
Your down payment$358,081.58
Closing costs + prepaids$16,746.02
Total buyer cash needed$374,827.60
Remaining funds due$374,827.60
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%)$1,559.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,258.25
Initial HOA (3 months)$48.75
Prepaid interest, first (25 days)$711.43
Fees + prepaids$16,746.02
Your down payment is the seller’s equity. You take over the $311,918 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $374,827.60 is due at closing. Uses and sources reconcile at $686,746.02 each. Not a Closing Disclosure.