Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$237,805Cash toward the purchase price.
Closing costs + prepaids$17,128Not just lender fees.
Before credits & paid funds$254,933The complete starting cash picture.
Estimated remaining funds due at closing
$254,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,805.21
Your down payment$237,805.21
Closing costs + prepaids$17,127.51
Total buyer cash needed$254,932.72
Remaining funds due$254,932.72
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%)$6,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,205.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,697.50
Prepaid interest, first (27 days)$966.04
Fees + prepaids$17,127.51
Your down payment is the seller’s equity. You take over the $441,195 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $254,932.72 is due at closing. Uses and sources reconcile at $696,127.51 each. Not a Closing Disclosure.