Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$339,048Cash toward the purchase price.
Closing costs + prepaids$15,478Not just lender fees.
Before credits & paid funds$354,526The complete starting cash picture.
Estimated remaining funds due at closing
$354,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,047.76
Your down payment$339,047.76
Closing costs + prepaids$15,478.11
Total buyer cash needed$354,525.86
Remaining funds due$354,525.86
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%)$1,679.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$585.25
Initial HOA (3 months)$219.00
Prepaid interest, first (31 days)$776.10
Fees + prepaids$15,478.11
Your down payment is the seller’s equity. You take over the $335,952 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $354,525.86 is due at closing. Uses and sources reconcile at $690,478.11 each. Not a Closing Disclosure.