Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$312,200Cash toward the purchase price.
Closing costs + prepaids$15,456Not just lender fees.
Before credits & paid funds$327,656The complete starting cash picture.
Estimated remaining funds due at closing
$327,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,200.37
Your down payment$312,200.37
Closing costs + prepaids$15,456.10
Total buyer cash needed$327,656.47
Remaining funds due$327,656.47
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%)$6,600.00
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 (27 days)$931.34
Fees + prepaids$15,456.10
Your down payment is the seller’s equity. You take over the $347,800 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $327,656.47 is due at closing. Uses and sources reconcile at $675,456.10 each. Not a Closing Disclosure.