Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$351,402Cash toward the purchase price.
Closing costs + prepaids$15,536Not just lender fees.
Before credits & paid funds$366,938The complete starting cash picture.
Estimated remaining funds due at closing
$366,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$351,401.92
Your down payment$351,401.92
Closing costs + prepaids$15,536.33
Total buyer cash needed$366,938.25
Remaining funds due$366,938.25
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%)$7,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,792.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$397.75
Prepaid interest, first (1 days)$27.61
Fees + prepaids$15,536.33
Your down payment is the seller’s equity. You take over the $358,597 balance, so the rest of the $709,999 price is paid at closing. A second mortgage can cover part of it. $366,938.25 is due at closing. Uses and sources reconcile at $725,535.33 each. Not a Closing Disclosure.