Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$344,505Cash toward the purchase price.
Closing costs + prepaids$15,286Not just lender fees.
Before credits & paid funds$359,792The complete starting cash picture.
Estimated remaining funds due at closing
$359,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,505.46
Your down payment$344,505.46
Closing costs + prepaids$15,286.16
Total buyer cash needed$359,791.63
Remaining funds due$359,791.63
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%)$6,825.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,689.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$442.00
Prepaid interest, first (30 days)$861.19
Fees + prepaids$15,286.16
Your down payment is the seller’s equity. You take over the $337,995 balance, so the rest of the $682,500 price is paid at closing. A second mortgage can cover part of it. $359,791.63 is due at closing. Uses and sources reconcile at $697,786.16 each. Not a Closing Disclosure.