Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$344,158Cash toward the purchase price.
Closing costs + prepaids$15,097Not just lender fees.
Before credits & paid funds$359,256The complete starting cash picture.
Estimated remaining funds due at closing
$359,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,158.40
Your down payment$344,158.40
Closing costs + prepaids$15,097.31
Total buyer cash needed$359,255.71
Remaining funds due$359,255.71
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%)$6,649.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,604.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$831.25
Prepaid interest, first (17 days)$543.93
Fees + prepaids$15,097.31
Your down payment is the seller’s equity. You take over the $320,837 balance, so the rest of the $664,995 price is paid at closing. A second mortgage can cover part of it. $359,255.71 is due at closing. Uses and sources reconcile at $680,092.31 each. Not a Closing Disclosure.