Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$313,443Cash toward the purchase price.
Closing costs + prepaids$15,199Not just lender fees.
Before credits & paid funds$328,641The complete starting cash picture.
Estimated remaining funds due at closing
$328,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,442.76
Your down payment$313,442.76
Closing costs + prepaids$15,198.61
Total buyer cash needed$328,641.38
Remaining funds due$328,641.38
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%)$1,782.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$804.00
Prepaid interest, first (12 days)$445.33
Fees + prepaids$15,198.61
Your down payment is the seller’s equity. You take over the $356,457 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $328,641.38 is due at closing. Uses and sources reconcile at $685,098.61 each. Not a Closing Disclosure.