Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$317,241Cash toward the purchase price.
Closing costs + prepaids$17,333Not just lender fees.
Before credits & paid funds$334,574The complete starting cash picture.
Estimated remaining funds due at closing
$334,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,241.29
Your down payment$317,241.29
Closing costs + prepaids$17,332.94
Total buyer cash needed$334,574.23
Remaining funds due$334,574.23
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%)$1,963.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,234.75
Prepaid interest, first (27 days)$816.40
Fees + prepaids$17,332.94
Your down payment is the seller’s equity. You take over the $392,759 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $334,574.23 is due at closing. Uses and sources reconcile at $727,332.94 each. Not a Closing Disclosure.