Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$309,899Cash toward the purchase price.
Closing costs + prepaids$18,222Not just lender fees.
Before credits & paid funds$328,122The complete starting cash picture.
Estimated remaining funds due at closing
$328,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,899.49
Your down payment$309,899.49
Closing costs + prepaids$18,222.16
Total buyer cash needed$328,121.64
Remaining funds due$328,121.64
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,000.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,775.00
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$978.66
Fees + prepaids$18,222.16
Your down payment is the seller’s equity. You take over the $400,101 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $328,121.64 is due at closing. Uses and sources reconcile at $728,222.16 each. Not a Closing Disclosure.