Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$288,172Cash toward the purchase price.
Closing costs + prepaids$16,180Not just lender fees.
Before credits & paid funds$304,353The complete starting cash picture.
Estimated remaining funds due at closing
$304,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,172.34
Your down payment$288,172.34
Closing costs + prepaids$16,180.50
Total buyer cash needed$304,352.83
Remaining funds due$304,352.83
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%)$6,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,959.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$101.25
Prepaid interest, first (27 days)$1,852.11
Fees + prepaids$16,180.50
Your down payment is the seller’s equity. You take over the $391,828 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $304,352.83 is due at closing. Uses and sources reconcile at $696,180.50 each. Not a Closing Disclosure.