Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$310,564Cash toward the purchase price.
Closing costs + prepaids$16,383Not just lender fees.
Before credits & paid funds$326,947The complete starting cash picture.
Estimated remaining funds due at closing
$326,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,564.18
Your down payment$310,564.18
Closing costs + prepaids$16,382.56
Total buyer cash needed$326,946.75
Remaining funds due$326,946.75
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%)$6,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,896.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,435.25
Prepaid interest, first (23 days)$683.64
Fees + prepaids$16,382.56
Your down payment is the seller’s equity. You take over the $379,336 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $326,946.75 is due at closing. Uses and sources reconcile at $706,282.56 each. Not a Closing Disclosure.