Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$379,680Cash toward the purchase price.
Closing costs + prepaids$15,097Not just lender fees.
Before credits & paid funds$394,777The complete starting cash picture.
Estimated remaining funds due at closing
$394,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,679.64
Your down payment$379,679.64
Closing costs + prepaids$15,097.18
Total buyer cash needed$394,776.82
Remaining funds due$394,776.82
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%)$1,601.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$397.50
Prepaid interest, first (23 days)$631.58
Fees + prepaids$15,097.18
Your down payment is the seller’s equity. You take over the $320,220 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $394,776.82 is due at closing. Uses and sources reconcile at $714,997.18 each. Not a Closing Disclosure.