Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$293,112Cash toward the purchase price.
Closing costs + prepaids$15,156Not just lender fees.
Before credits & paid funds$308,267The complete starting cash picture.
Estimated remaining funds due at closing
$308,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,111.73
Your down payment$293,111.73
Closing costs + prepaids$15,155.68
Total buyer cash needed$308,267.41
Remaining funds due$308,267.41
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%)$6,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,909.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.00
Prepaid interest, first (7 days)$218.25
Fees + prepaids$15,155.68
Your down payment is the seller’s equity. You take over the $381,887 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $308,267.41 is due at closing. Uses and sources reconcile at $690,154.68 each. Not a Closing Disclosure.