Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$14,782Cash toward the purchase price.
Closing costs + prepaids$19,753Not just lender fees.
Before credits & paid funds$34,534The complete starting cash picture.
Estimated remaining funds due at closing
$34,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,781.56
Your down payment$14,781.56
Closing costs + prepaids$19,752.85
Total buyer cash needed$34,534.41
Remaining funds due$34,534.41
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%)$3,326.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$955.50
Prepaid interest, first (26 days)$3,203.25
Fees + prepaids$19,752.85
Your down payment is the seller’s equity. You take over the $665,218 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $34,534.41 is due at closing. Uses and sources reconcile at $699,752.85 each. Not a Closing Disclosure.