Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$351,211Cash toward the purchase price.
Closing costs + prepaids$14,982Not just lender fees.
Before credits & paid funds$366,193The complete starting cash picture.
Estimated remaining funds due at closing
$366,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$351,210.50
Your down payment$351,210.50
Closing costs + prepaids$14,982.43
Total buyer cash needed$366,192.93
Remaining funds due$366,192.93
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%)$6,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,568.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$52.25
Initial HOA (3 months)$507.00
Prepaid interest, first (29 days)$737.73
Fees + prepaids$14,982.43
Your down payment is the seller’s equity. You take over the $313,689 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $366,192.93 is due at closing. Uses and sources reconcile at $679,882.43 each. Not a Closing Disclosure.