Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$236,799Cash toward the purchase price.
Closing costs + prepaids$16,238Not just lender fees.
Before credits & paid funds$253,037The complete starting cash picture.
Estimated remaining funds due at closing
$253,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,798.72
Your down payment$236,798.72
Closing costs + prepaids$16,238.23
Total buyer cash needed$253,036.95
Remaining funds due$253,036.95
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%)$2,211.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,697.50
Prepaid interest, first (2 days)$71.72
Fees + prepaids$16,238.23
Your down payment is the seller’s equity. You take over the $442,201 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $253,036.95 is due at closing. Uses and sources reconcile at $695,238.23 each. Not a Closing Disclosure.