Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$357,047Cash toward the purchase price.
Closing costs + prepaids$14,832Not just lender fees.
Before credits & paid funds$371,879The complete starting cash picture.
Estimated remaining funds due at closing
$371,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,046.93
Your down payment$357,046.93
Closing costs + prepaids$14,832.09
Total buyer cash needed$371,879.02
Remaining funds due$371,879.02
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%)$6,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,564.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$804.00
Initial HOA (3 months)$15.00
Prepaid interest, first (12 days)$281.82
Fees + prepaids$14,832.09
Your down payment is the seller’s equity. You take over the $312,853 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $371,879.02 is due at closing. Uses and sources reconcile at $684,732.09 each. Not a Closing Disclosure.