Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$366,731Cash toward the purchase price.
Closing costs + prepaids$14,805Not just lender fees.
Before credits & paid funds$381,536The complete starting cash picture.
Estimated remaining funds due at closing
$381,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,731.07
Your down payment$366,731.07
Closing costs + prepaids$14,804.91
Total buyer cash needed$381,535.98
Remaining funds due$381,535.98
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,541.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$351.75
Prepaid interest, first (31 days)$693.82
Fees + prepaids$14,804.91
Your down payment is the seller’s equity. You take over the $308,269 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $381,535.98 is due at closing. Uses and sources reconcile at $689,804.91 each. Not a Closing Disclosure.