Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$377,452Cash toward the purchase price.
Closing costs + prepaids$15,979Not just lender fees.
Before credits & paid funds$393,431The complete starting cash picture.
Estimated remaining funds due at closing
$393,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,452.08
Your down payment$377,452.08
Closing costs + prepaids$15,978.97
Total buyer cash needed$393,431.05
Remaining funds due$393,431.05
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%)$6,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,487.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.25
Prepaid interest, first (27 days)$587.48
Fees + prepaids$15,978.97
Your down payment is the seller’s equity. You take over the $297,448 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $393,431.05 is due at closing. Uses and sources reconcile at $690,878.97 each. Not a Closing Disclosure.