Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$215,612Cash toward the purchase price.
Closing costs + prepaids$16,441Not just lender fees.
Before credits & paid funds$232,053The complete starting cash picture.
Estimated remaining funds due at closing
$232,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,611.80
Your down payment$215,611.80
Closing costs + prepaids$16,440.70
Total buyer cash needed$232,052.51
Remaining funds due$232,052.51
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%)$6,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,316.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,108.25
Initial HOA (3 months)$609.99
Prepaid interest, first (2 days)$147.52
Fees + prepaids$16,440.70
Your down payment is the seller’s equity. You take over the $463,388 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $232,052.51 is due at closing. Uses and sources reconcile at $695,440.70 each. Not a Closing Disclosure.