Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$252,956Cash toward the purchase price.
Closing costs + prepaids$16,910Not just lender fees.
Before credits & paid funds$269,866The complete starting cash picture.
Estimated remaining funds due at closing
$269,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,956.28
Your down payment$252,956.28
Closing costs + prepaids$16,909.51
Total buyer cash needed$269,865.79
Remaining funds due$269,865.79
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,134.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$742.00
Prepaid interest, first (24 days)$1,765.79
Fees + prepaids$16,909.51
Your down payment is the seller’s equity. You take over the $426,944 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $269,865.79 is due at closing. Uses and sources reconcile at $696,809.51 each. Not a Closing Disclosure.