Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$311,316Cash toward the purchase price.
Closing costs + prepaids$15,262Not just lender fees.
Before credits & paid funds$326,578The complete starting cash picture.
Estimated remaining funds due at closing
$326,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,316.06
Your down payment$311,316.06
Closing costs + prepaids$15,261.58
Total buyer cash needed$326,577.64
Remaining funds due$326,577.64
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,842.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$816.00
Prepaid interest, first (12 days)$335.66
Fees + prepaids$15,261.58
Your down payment is the seller’s equity. You take over the $368,584 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $326,577.64 is due at closing. Uses and sources reconcile at $695,161.58 each. Not a Closing Disclosure.