Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$207,290Cash toward the purchase price.
Closing costs + prepaids$17,477Not just lender fees.
Before credits & paid funds$224,767The complete starting cash picture.
Estimated remaining funds due at closing
$224,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,289.56
Your down payment$207,289.56
Closing costs + prepaids$17,477.17
Total buyer cash needed$224,766.73
Remaining funds due$224,766.73
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%)$6,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,358.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,697.50
Prepaid interest, first (18 days)$1,163.12
Fees + prepaids$17,477.17
Your down payment is the seller’s equity. You take over the $471,710 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $224,766.73 is due at closing. Uses and sources reconcile at $696,477.17 each. Not a Closing Disclosure.