Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$323,161Cash toward the purchase price.
Closing costs + prepaids$16,669Not just lender fees.
Before credits & paid funds$339,830The complete starting cash picture.
Estimated remaining funds due at closing
$339,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,160.83
Your down payment$323,160.83
Closing costs + prepaids$16,668.77
Total buyer cash needed$339,829.60
Remaining funds due$339,829.60
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%)$6,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,833.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,724.75
Prepaid interest, first (27 days)$743.33
Fees + prepaids$16,668.77
Your down payment is the seller’s equity. You take over the $366,739 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $339,829.60 is due at closing. Uses and sources reconcile at $706,568.77 each. Not a Closing Disclosure.