Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$356,109Cash toward the purchase price.
Closing costs + prepaids$16,201Not just lender fees.
Before credits & paid funds$372,309The complete starting cash picture.
Estimated remaining funds due at closing
$372,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,108.59
Your down payment$356,108.59
Closing costs + prepaids$16,200.67
Total buyer cash needed$372,309.26
Remaining funds due$372,309.26
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%)$1,718.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$883.75
Initial HOA (3 months)$396.00
Prepaid interest, first (27 days)$734.96
Fees + prepaids$16,200.67
Your down payment is the seller’s equity. You take over the $343,791 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $372,309.26 is due at closing. Uses and sources reconcile at $716,100.67 each. Not a Closing Disclosure.