Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$313,684Cash toward the purchase price.
Closing costs + prepaids$16,348Not just lender fees.
Before credits & paid funds$330,032The complete starting cash picture.
Estimated remaining funds due at closing
$330,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,684.26
Your down payment$313,684.26
Closing costs + prepaids$16,347.87
Total buyer cash needed$330,032.14
Remaining funds due$330,032.14
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%)$6,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,926.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,232.25
Prepaid interest, first (25 days)$731.04
Fees + prepaids$16,347.87
Your down payment is the seller’s equity. You take over the $385,316 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $330,032.14 is due at closing. Uses and sources reconcile at $715,347.87 each. Not a Closing Disclosure.