Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$292,510Cash toward the purchase price.
Closing costs + prepaids$15,447Not just lender fees.
Before credits & paid funds$307,957The complete starting cash picture.
Estimated remaining funds due at closing
$307,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,510.07
Your down payment$292,510.07
Closing costs + prepaids$15,446.61
Total buyer cash needed$307,956.67
Remaining funds due$307,956.67
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%)$1,936.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$541.75
Initial HOA (3 months)$112.50
Prepaid interest, first (18 days)$588.41
Fees + prepaids$15,446.61
Your down payment is the seller’s equity. You take over the $387,390 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $307,956.67 is due at closing. Uses and sources reconcile at $695,346.61 each. Not a Closing Disclosure.