Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$295,649Cash toward the purchase price.
Closing costs + prepaids$14,590Not just lender fees.
Before credits & paid funds$310,239The complete starting cash picture.
Estimated remaining funds due at closing
$310,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,649.44
Your down payment$295,649.44
Closing costs + prepaids$14,589.61
Total buyer cash needed$310,239.05
Remaining funds due$310,239.05
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%)$6,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,021.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$46.00
Prepaid interest, first (1 days)$54.00
Fees + prepaids$14,589.61
Your down payment is the seller’s equity. You take over the $404,341 balance, so the rest of the $699,990 price is paid at closing. A second mortgage can cover part of it. $310,239.05 is due at closing. Uses and sources reconcile at $714,579.61 each. Not a Closing Disclosure.