Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$331,578Cash toward the purchase price.
Closing costs + prepaids$16,549Not just lender fees.
Before credits & paid funds$348,127The complete starting cash picture.
Estimated remaining funds due at closing
$348,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,578.14
Your down payment$331,578.14
Closing costs + prepaids$16,548.71
Total buyer cash needed$348,126.85
Remaining funds due$348,126.85
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%)$1,737.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,648.50
Initial HOA (3 months)$131.25
Prepaid interest, first (30 days)$773.85
Fees + prepaids$16,548.71
Your down payment is the seller’s equity. You take over the $347,422 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $348,126.85 is due at closing. Uses and sources reconcile at $695,548.71 each. Not a Closing Disclosure.