Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$350,546Cash toward the purchase price.
Closing costs + prepaids$16,381Not just lender fees.
Before credits & paid funds$366,928The complete starting cash picture.
Estimated remaining funds due at closing
$366,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,546.14
Your down payment$350,546.14
Closing costs + prepaids$16,381.39
Total buyer cash needed$366,927.53
Remaining funds due$366,927.53
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%)$1,747.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,431.00
Initial HOA (3 months)$158.01
Prepaid interest, first (22 days)$577.12
Fees + prepaids$16,381.39
Your down payment is the seller’s equity. You take over the $349,453 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $366,927.53 is due at closing. Uses and sources reconcile at $716,380.39 each. Not a Closing Disclosure.