Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$313,881Cash toward the purchase price.
Closing costs + prepaids$16,530Not just lender fees.
Before credits & paid funds$330,411The complete starting cash picture.
Estimated remaining funds due at closing
$330,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,880.57
Your down payment$313,880.57
Closing costs + prepaids$16,530.48
Total buyer cash needed$330,411.05
Remaining funds due$330,411.05
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%)$6,849.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,855.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$927.25
Initial HOA (3 months)$420.00
Prepaid interest, first (30 days)$1,009.65
Fees + prepaids$16,530.48
Your down payment is the seller’s equity. You take over the $371,118 balance, so the rest of the $684,999 price is paid at closing. A second mortgage can cover part of it. $330,411.05 is due at closing. Uses and sources reconcile at $701,529.48 each. Not a Closing Disclosure.