Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$266,939Cash toward the purchase price.
Closing costs + prepaids$17,484Not just lender fees.
Before credits & paid funds$284,423The complete starting cash picture.
Estimated remaining funds due at closing
$284,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,938.51
Your down payment$266,938.51
Closing costs + prepaids$17,484.29
Total buyer cash needed$284,422.81
Remaining funds due$284,422.81
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%)$6,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,989.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,299.00
Initial HOA (3 months)$165.00
Prepaid interest, first (27 days)$1,913.49
Fees + prepaids$17,484.29
Your down payment is the seller’s equity. You take over the $397,961 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $284,422.81 is due at closing. Uses and sources reconcile at $682,384.29 each. Not a Closing Disclosure.