Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$326,759Cash toward the purchase price.
Closing costs + prepaids$16,214Not just lender fees.
Before credits & paid funds$342,973The complete starting cash picture.
Estimated remaining funds due at closing
$342,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,759.05
Your down payment$326,759.05
Closing costs + prepaids$16,214.10
Total buyer cash needed$342,973.15
Remaining funds due$342,973.15
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%)$6,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,866.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,148.25
Initial HOA (3 months)$33.75
Prepaid interest, first (25 days)$697.91
Fees + prepaids$16,214.10
Your down payment is the seller’s equity. You take over the $373,240 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $342,973.15 is due at closing. Uses and sources reconcile at $716,213.10 each. Not a Closing Disclosure.