Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$343,669Cash toward the purchase price.
Closing costs + prepaids$15,120Not just lender fees.
Before credits & paid funds$358,789The complete starting cash picture.
Estimated remaining funds due at closing
$358,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,669.33
Your down payment$343,669.33
Closing costs + prepaids$15,119.85
Total buyer cash needed$358,789.18
Remaining funds due$358,789.18
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%)$1,781.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$169.00
Prepaid interest, first (25 days)$702.70
Fees + prepaids$15,119.85
Your down payment is the seller’s equity. You take over the $356,231 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $358,789.18 is due at closing. Uses and sources reconcile at $715,019.85 each. Not a Closing Disclosure.