Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$302,024Cash toward the purchase price.
Closing costs + prepaids$17,521Not just lender fees.
Before credits & paid funds$319,545The complete starting cash picture.
Estimated remaining funds due at closing
$319,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,024.11
Your down payment$302,024.11
Closing costs + prepaids$17,521.14
Total buyer cash needed$319,545.25
Remaining funds due$319,545.25
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,989.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,038.50
Initial HOA (3 months)$234.00
Prepaid interest, first (23 days)$792.26
Fees + prepaids$17,521.14
Your down payment is the seller’s equity. You take over the $397,876 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $319,545.25 is due at closing. Uses and sources reconcile at $717,421.14 each. Not a Closing Disclosure.