Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$339,866Cash toward the purchase price.
Closing costs + prepaids$17,448Not just lender fees.
Before credits & paid funds$357,314The complete starting cash picture.
Estimated remaining funds due at closing
$357,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,866.01
Your down payment$339,866.01
Closing costs + prepaids$17,448.18
Total buyer cash needed$357,314.19
Remaining funds due$357,314.19
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%)$6,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,795.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,747.50
Initial HOA (3 months)$615.00
Prepaid interest, first (28 days)$832.01
Fees + prepaids$17,448.18
Your down payment is the seller’s equity. You take over the $359,134 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $357,314.19 is due at closing. Uses and sources reconcile at $716,448.18 each. Not a Closing Disclosure.