Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$383,048Cash toward the purchase price.
Closing costs + prepaids$15,182Not just lender fees.
Before credits & paid funds$398,229The complete starting cash picture.
Estimated remaining funds due at closing
$398,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,047.54
Your down payment$383,047.54
Closing costs + prepaids$15,181.95
Total buyer cash needed$398,229.50
Remaining funds due$398,229.50
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%)$1,579.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$448.75
Prepaid interest, first (26 days)$695.44
Fees + prepaids$15,181.95
Your down payment is the seller’s equity. You take over the $315,952 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $398,229.50 is due at closing. Uses and sources reconcile at $714,181.95 each. Not a Closing Disclosure.