Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$365,973Cash toward the purchase price.
Closing costs + prepaids$14,160Not just lender fees.
Before credits & paid funds$380,133The complete starting cash picture.
Estimated remaining funds due at closing
$380,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,972.91
Your down payment$365,972.91
Closing costs + prepaids$14,159.76
Total buyer cash needed$380,132.67
Remaining funds due$380,132.67
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,545.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$351.75
Prepaid interest, first (2 days)$44.87
Fees + prepaids$14,159.76
Your down payment is the seller’s equity. You take over the $309,027 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $380,132.67 is due at closing. Uses and sources reconcile at $689,159.76 each. Not a Closing Disclosure.