Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$383,288Cash toward the purchase price.
Closing costs + prepaids$15,826Not just lender fees.
Before credits & paid funds$399,114The complete starting cash picture.
Estimated remaining funds due at closing
$399,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,288.18
Your down payment$383,288.18
Closing costs + prepaids$15,826.09
Total buyer cash needed$399,114.27
Remaining funds due$399,114.27
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%)$1,583.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,749.75
Prepaid interest, first (1 days)$26.28
Fees + prepaids$15,826.09
Your down payment is the seller’s equity. You take over the $316,612 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $399,114.27 is due at closing. Uses and sources reconcile at $715,726.09 each. Not a Closing Disclosure.