Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$381,365Cash toward the purchase price.
Closing costs + prepaids$15,635Not just lender fees.
Before credits & paid funds$397,000The complete starting cash picture.
Estimated remaining funds due at closing
$397,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,365.13
Your down payment$381,365.13
Closing costs + prepaids$15,634.62
Total buyer cash needed$396,999.75
Remaining funds due$396,999.75
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%)$1,468.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,008.25
Prepaid interest, first (31 days)$940.19
Fees + prepaids$15,634.62
Your down payment is the seller’s equity. You take over the $293,635 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $396,999.75 is due at closing. Uses and sources reconcile at $690,634.62 each. Not a Closing Disclosure.