Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$302,825Cash toward the purchase price.
Closing costs + prepaids$15,687Not just lender fees.
Before credits & paid funds$318,511The complete starting cash picture.
Estimated remaining funds due at closing
$318,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,824.69
Your down payment$302,824.69
Closing costs + prepaids$15,686.76
Total buyer cash needed$318,511.45
Remaining funds due$318,511.45
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%)$1,985.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$332.75
Prepaid interest, first (28 days)$901.63
Fees + prepaids$15,686.76
Your down payment is the seller’s equity. You take over the $397,075 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $318,511.45 is due at closing. Uses and sources reconcile at $715,586.76 each. Not a Closing Disclosure.