Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$297,639Cash toward the purchase price.
Closing costs + prepaids$16,150Not just lender fees.
Before credits & paid funds$313,789The complete starting cash picture.
Estimated remaining funds due at closing
$313,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,638.91
Your down payment$297,638.91
Closing costs + prepaids$16,149.69
Total buyer cash needed$313,788.60
Remaining funds due$313,788.60
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%)$1,856.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$691.75
Initial HOA (3 months)$945.00
Prepaid interest, first (18 days)$498.13
Fees + prepaids$16,149.69
Your down payment is the seller’s equity. You take over the $371,361 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $313,788.60 is due at closing. Uses and sources reconcile at $685,149.69 each. Not a Closing Disclosure.