Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$279,197Cash toward the purchase price.
Closing costs + prepaids$17,462Not just lender fees.
Before credits & paid funds$296,659The complete starting cash picture.
Estimated remaining funds due at closing
$296,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,197.11
Your down payment$279,197.11
Closing costs + prepaids$17,462.33
Total buyer cash needed$296,659.44
Remaining funds due$296,659.44
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%)$6,597.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,902.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,711.50
Prepaid interest, first (26 days)$783.31
Fees + prepaids$17,462.33
Your down payment is the seller’s equity. You take over the $380,503 balance, so the rest of the $659,700 price is paid at closing. A second mortgage can cover part of it. $296,659.44 is due at closing. Uses and sources reconcile at $677,162.33 each. Not a Closing Disclosure.