Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$322,200Cash toward the purchase price.
Closing costs + prepaids$15,694Not just lender fees.
Before credits & paid funds$337,894The complete starting cash picture.
Estimated remaining funds due at closing
$337,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,200.37
Your down payment$322,200.37
Closing costs + prepaids$15,694.08
Total buyer cash needed$337,894.44
Remaining funds due$337,894.44
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,739.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$547.75
Initial HOA (3 months)$170.01
Prepaid interest, first (31 days)$1,069.32
Fees + prepaids$15,694.08
Your down payment is the seller’s equity. You take over the $347,800 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $337,894.44 is due at closing. Uses and sources reconcile at $685,694.08 each. Not a Closing Disclosure.