Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$311,974Cash toward the purchase price.
Closing costs + prepaids$17,130Not just lender fees.
Before credits & paid funds$329,104The complete starting cash picture.
Estimated remaining funds due at closing
$329,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,974.39
Your down payment$311,974.39
Closing costs + prepaids$17,129.86
Total buyer cash needed$329,104.25
Remaining funds due$329,104.25
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%)$1,939.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,804.00
Initial HOA (3 months)$225.00
Prepaid interest, first (23 days)$694.23
Fees + prepaids$17,129.86
Your down payment is the seller’s equity. You take over the $387,926 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $329,104.25 is due at closing. Uses and sources reconcile at $717,029.86 each. Not a Closing Disclosure.