Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$368,479Cash toward the purchase price.
Closing costs + prepaids$16,580Not just lender fees.
Before credits & paid funds$385,059The complete starting cash picture.
Estimated remaining funds due at closing
$385,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,478.65
Your down payment$368,478.65
Closing costs + prepaids$16,579.92
Total buyer cash needed$385,058.57
Remaining funds due$385,058.57
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%)$1,657.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,749.75
Prepaid interest, first (27 days)$706.06
Fees + prepaids$16,579.92
Your down payment is the seller’s equity. You take over the $331,421 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $385,058.57 is due at closing. Uses and sources reconcile at $716,479.92 each. Not a Closing Disclosure.