Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$337,029Cash toward the purchase price.
Closing costs + prepaids$15,823Not just lender fees.
Before credits & paid funds$352,853The complete starting cash picture.
Estimated remaining funds due at closing
$352,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,029.44
Your down payment$337,029.44
Closing costs + prepaids$15,823.20
Total buyer cash needed$352,852.64
Remaining funds due$352,852.64
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,689.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.00
Initial HOA (3 months)$722.01
Prepaid interest, first (12 days)$383.34
Fees + prepaids$15,823.20
Your down payment is the seller’s equity. You take over the $337,971 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $352,852.64 is due at closing. Uses and sources reconcile at $690,823.20 each. Not a Closing Disclosure.