Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$360,142Cash toward the purchase price.
Closing costs + prepaids$16,052Not just lender fees.
Before credits & paid funds$376,194The complete starting cash picture.
Estimated remaining funds due at closing
$376,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,141.63
Your down payment$360,141.63
Closing costs + prepaids$16,052.18
Total buyer cash needed$376,193.81
Remaining funds due$376,193.81
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,549.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,456.25
Prepaid interest, first (30 days)$878.64
Fees + prepaids$16,052.18
Your down payment is the seller’s equity. You take over the $309,858 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $376,193.81 is due at closing. Uses and sources reconcile at $686,052.18 each. Not a Closing Disclosure.