Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$326,610Cash toward the purchase price.
Closing costs + prepaids$15,809Not just lender fees.
Before credits & paid funds$342,419The complete starting cash picture.
Estimated remaining funds due at closing
$342,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,609.80
Your down payment$326,609.80
Closing costs + prepaids$15,809.12
Total buyer cash needed$342,418.92
Remaining funds due$342,418.92
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,766.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$623.50
Initial HOA (3 months)$204.00
Prepaid interest, first (31 days)$948.17
Fees + prepaids$15,809.12
Your down payment is the seller’s equity. You take over the $353,290 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $342,418.92 is due at closing. Uses and sources reconcile at $695,709.12 each. Not a Closing Disclosure.