Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$370,632Cash toward the purchase price.
Closing costs + prepaids$16,348Not just lender fees.
Before credits & paid funds$386,980The complete starting cash picture.
Estimated remaining funds due at closing
$386,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,632.29
Your down payment$370,632.29
Closing costs + prepaids$16,347.72
Total buyer cash needed$386,980.02
Remaining funds due$386,980.02
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%)$6,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,446.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,650.00
Initial HOA (3 months)$480.00
Prepaid interest, first (31 days)$702.89
Fees + prepaids$16,347.72
Your down payment is the seller’s equity. You take over the $289,368 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $386,980.02 is due at closing. Uses and sources reconcile at $676,347.72 each. Not a Closing Disclosure.