Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$316,649Cash toward the purchase price.
Closing costs + prepaids$16,052Not just lender fees.
Before credits & paid funds$332,701The complete starting cash picture.
Estimated remaining funds due at closing
$332,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,649.07
Your down payment$316,649.07
Closing costs + prepaids$16,051.60
Total buyer cash needed$332,700.67
Remaining funds due$332,700.67
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%)$6,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,916.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$387.00
Prepaid interest, first (25 days)$1,279.99
Fees + prepaids$16,051.60
Your down payment is the seller’s equity. You take over the $383,341 balance, so the rest of the $699,990 price is paid at closing. A second mortgage can cover part of it. $332,700.67 is due at closing. Uses and sources reconcile at $716,041.60 each. Not a Closing Disclosure.