Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$297,914Cash toward the purchase price.
Closing costs + prepaids$15,124Not just lender fees.
Before credits & paid funds$313,038The complete starting cash picture.
Estimated remaining funds due at closing
$313,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,913.57
Your down payment$297,913.57
Closing costs + prepaids$15,124.40
Total buyer cash needed$313,037.97
Remaining funds due$313,037.97
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%)$1,835.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$561.50
Prepaid interest, first (20 days)$609.46
Fees + prepaids$15,124.40
Your down payment is the seller’s equity. You take over the $367,086 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $313,037.97 is due at closing. Uses and sources reconcile at $680,124.40 each. Not a Closing Disclosure.