Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$411,126Cash toward the purchase price.
Closing costs + prepaids$15,187Not just lender fees.
Before credits & paid funds$426,313The complete starting cash picture.
Estimated remaining funds due at closing
$426,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,125.97
Your down payment$411,125.97
Closing costs + prepaids$15,187.39
Total buyer cash needed$426,313.36
Remaining funds due$426,313.36
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,343.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$984.75
Initial HOA (3 months)$82.50
Prepaid interest, first (26 days)$509.27
Fees + prepaids$15,187.39
Your down payment is the seller’s equity. You take over the $268,774 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $426,313.36 is due at closing. Uses and sources reconcile at $695,087.39 each. Not a Closing Disclosure.