Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$311,777Cash toward the purchase price.
Closing costs + prepaids$15,980Not just lender fees.
Before credits & paid funds$327,756The complete starting cash picture.
Estimated remaining funds due at closing
$327,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,776.73
Your down payment$311,776.73
Closing costs + prepaids$15,979.60
Total buyer cash needed$327,756.34
Remaining funds due$327,756.34
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,866.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$465.00
Initial HOA (3 months)$378.00
Prepaid interest, first (27 days)$952.49
Fees + prepaids$15,979.60
Your down payment is the seller’s equity. You take over the $373,223 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $327,756.34 is due at closing. Uses and sources reconcile at $700,979.60 each. Not a Closing Disclosure.