Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$325,844Cash toward the purchase price.
Closing costs + prepaids$15,828Not just lender fees.
Before credits & paid funds$341,672The complete starting cash picture.
Estimated remaining funds due at closing
$341,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,843.58
Your down payment$325,843.58
Closing costs + prepaids$15,828.23
Total buyer cash needed$341,671.82
Remaining funds due$341,671.82
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%)$1,820.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$946.75
Prepaid interest, first (24 days)$694.20
Fees + prepaids$15,828.23
Your down payment is the seller’s equity. You take over the $364,056 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $341,671.82 is due at closing. Uses and sources reconcile at $705,728.23 each. Not a Closing Disclosure.