Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$330,931Cash toward the purchase price.
Closing costs + prepaids$16,003Not just lender fees.
Before credits & paid funds$346,933The complete starting cash picture.
Estimated remaining funds due at closing
$346,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,930.71
Your down payment$330,930.71
Closing costs + prepaids$16,002.54
Total buyer cash needed$346,933.25
Remaining funds due$346,933.25
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,670.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,254.75
Initial HOA (3 months)$165.00
Prepaid interest, first (31 days)$794.44
Fees + prepaids$16,002.54
Your down payment is the seller’s equity. You take over the $334,069 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $346,933.25 is due at closing. Uses and sources reconcile at $681,002.54 each. Not a Closing Disclosure.