Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$240,722Cash toward the purchase price.
Closing costs + prepaids$15,699Not just lender fees.
Before credits & paid funds$256,422The complete starting cash picture.
Estimated remaining funds due at closing
$256,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,722.48
Your down payment$240,722.48
Closing costs + prepaids$15,699.50
Total buyer cash needed$256,421.98
Remaining funds due$256,421.98
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%)$6,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,196.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$526.25
Prepaid interest, first (19 days)$708.86
Fees + prepaids$15,699.50
Your down payment is the seller’s equity. You take over the $439,278 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $256,421.98 is due at closing. Uses and sources reconcile at $695,699.50 each. Not a Closing Disclosure.