Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$344,158Cash toward the purchase price.
Closing costs + prepaids$15,175Not just lender fees.
Before credits & paid funds$359,333The complete starting cash picture.
Estimated remaining funds due at closing
$359,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,158.40
Your down payment$344,158.40
Closing costs + prepaids$15,175.02
Total buyer cash needed$359,333.42
Remaining funds due$359,333.42
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%)$6,649.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,604.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$589.00
Prepaid interest, first (27 days)$863.89
Fees + prepaids$15,175.02
Your down payment is the seller’s equity. You take over the $320,837 balance, so the rest of the $664,995 price is paid at closing. A second mortgage can cover part of it. $359,333.42 is due at closing. Uses and sources reconcile at $680,170.02 each. Not a Closing Disclosure.