Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$425,379Cash toward the purchase price.
Closing costs + prepaids$15,027Not just lender fees.
Before credits & paid funds$440,406The complete starting cash picture.
Estimated remaining funds due at closing
$440,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,379.27
Your down payment$425,379.27
Closing costs + prepaids$15,026.66
Total buyer cash needed$440,405.93
Remaining funds due$440,405.93
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%)$1,223.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$769.25
Initial HOA (3 months)$339.00
Prepaid interest, first (28 days)$527.31
Fees + prepaids$15,026.66
Your down payment is the seller’s equity. You take over the $244,621 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $440,405.93 is due at closing. Uses and sources reconcile at $685,026.66 each. Not a Closing Disclosure.