Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$328,182Cash toward the purchase price.
Closing costs + prepaids$15,784Not just lender fees.
Before credits & paid funds$343,965The complete starting cash picture.
Estimated remaining funds due at closing
$343,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,181.52
Your down payment$328,181.52
Closing costs + prepaids$15,783.92
Total buyer cash needed$343,965.43
Remaining funds due$343,965.43
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%)$6,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,759.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$850.00
Prepaid interest, first (14 days)$906.82
Fees + prepaids$15,783.92
Your down payment is the seller’s equity. You take over the $351,818 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $343,965.43 is due at closing. Uses and sources reconcile at $695,783.92 each. Not a Closing Disclosure.