Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$378,952Cash toward the purchase price.
Closing costs + prepaids$14,524Not just lender fees.
Before credits & paid funds$393,476The complete starting cash picture.
Estimated remaining funds due at closing
$393,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,952.21
Your down payment$378,952.21
Closing costs + prepaids$14,524.28
Total buyer cash needed$393,476.50
Remaining funds due$393,476.50
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%)$1,604.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$397.50
Prepaid interest, first (2 days)$55.04
Fees + prepaids$14,524.28
Your down payment is the seller’s equity. You take over the $320,948 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $393,476.50 is due at closing. Uses and sources reconcile at $714,424.28 each. Not a Closing Disclosure.