Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$342,704Cash toward the purchase price.
Closing costs + prepaids$17,149Not just lender fees.
Before credits & paid funds$359,853The complete starting cash picture.
Estimated remaining funds due at closing
$359,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,703.80
Your down payment$342,703.80
Closing costs + prepaids$17,148.81
Total buyer cash needed$359,852.61
Remaining funds due$359,852.61
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%)$1,781.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,747.50
Initial HOA (3 months)$389.01
Prepaid interest, first (29 days)$772.82
Fees + prepaids$17,148.81
Your down payment is the seller’s equity. You take over the $356,296 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $359,852.61 is due at closing. Uses and sources reconcile at $716,148.81 each. Not a Closing Disclosure.