Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$240,722Cash toward the purchase price.
Closing costs + prepaids$15,653Not just lender fees.
Before credits & paid funds$256,376The complete starting cash picture.
Estimated remaining funds due at closing
$256,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,722.48
Your down payment$240,722.48
Closing costs + prepaids$15,653.47
Total buyer cash needed$256,375.96
Remaining funds due$256,375.96
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%)$6,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,196.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$816.00
Prepaid interest, first (10 days)$373.09
Fees + prepaids$15,653.47
Your down payment is the seller’s equity. You take over the $439,278 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $256,375.96 is due at closing. Uses and sources reconcile at $695,653.47 each. Not a Closing Disclosure.