Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$333,680Cash toward the purchase price.
Closing costs + prepaids$18,237Not just lender fees.
Before credits & paid funds$351,917The complete starting cash picture.
Estimated remaining funds due at closing
$351,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,680.05
Your down payment$333,680.05
Closing costs + prepaids$18,237.18
Total buyer cash needed$351,917.23
Remaining funds due$351,917.23
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%)$6,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,776.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,175.50
Initial HOA (3 months)$306.00
Prepaid interest, first (29 days)$621.08
Fees + prepaids$18,237.18
Your down payment is the seller’s equity. You take over the $355,320 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $351,917.23 is due at closing. Uses and sources reconcile at $707,237.18 each. Not a Closing Disclosure.