Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$302,024Cash toward the purchase price.
Closing costs + prepaids$17,797Not just lender fees.
Before credits & paid funds$319,821The complete starting cash picture.
Estimated remaining funds due at closing
$319,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,024.11
Your down payment$302,024.11
Closing costs + prepaids$17,796.71
Total buyer cash needed$319,820.82
Remaining funds due$319,820.82
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,989.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,038.50
Initial HOA (3 months)$234.00
Prepaid interest, first (31 days)$1,067.83
Fees + prepaids$17,796.71
Your down payment is the seller’s equity. You take over the $397,876 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $319,820.82 is due at closing. Uses and sources reconcile at $717,696.71 each. Not a Closing Disclosure.