Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$336,450Cash toward the purchase price.
Closing costs + prepaids$16,186Not just lender fees.
Before credits & paid funds$352,636The complete starting cash picture.
Estimated remaining funds due at closing
$352,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,450.14
Your down payment$336,450.14
Closing costs + prepaids$16,186.33
Total buyer cash needed$352,636.47
Remaining funds due$352,636.47
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%)$1,717.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$453.00
Initial HOA (3 months)$12.51
Prepaid interest, first (26 days)$1,735.07
Fees + prepaids$16,186.33
Your down payment is the seller’s equity. You take over the $343,550 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $352,636.47 is due at closing. Uses and sources reconcile at $696,186.33 each. Not a Closing Disclosure.