Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$362,290Cash toward the purchase price.
Closing costs + prepaids$15,209Not just lender fees.
Before credits & paid funds$377,499The complete starting cash picture.
Estimated remaining funds due at closing
$377,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,290.19
Your down payment$362,290.19
Closing costs + prepaids$15,209.13
Total buyer cash needed$377,499.32
Remaining funds due$377,499.32
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,533.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$784.50
Initial HOA (3 months)$60.00
Prepaid interest, first (30 days)$673.08
Fees + prepaids$15,209.13
Your down payment is the seller’s equity. You take over the $306,710 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $377,499.32 is due at closing. Uses and sources reconcile at $684,209.13 each. Not a Closing Disclosure.