Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$363,722Cash toward the purchase price.
Closing costs + prepaids$16,418Not just lender fees.
Before credits & paid funds$380,141The complete starting cash picture.
Estimated remaining funds due at closing
$380,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,722.49
Your down payment$363,722.49
Closing costs + prepaids$16,418.24
Total buyer cash needed$380,140.73
Remaining funds due$380,140.73
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,526.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,672.50
Initial HOA (3 months)$141.00
Prepaid interest, first (28 days)$920.35
Fees + prepaids$16,418.24
Your down payment is the seller’s equity. You take over the $305,278 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $380,140.73 is due at closing. Uses and sources reconcile at $685,418.24 each. Not a Closing Disclosure.