Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$352,049Cash toward the purchase price.
Closing costs + prepaids$16,230Not just lender fees.
Before credits & paid funds$368,279The complete starting cash picture.
Estimated remaining funds due at closing
$368,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,048.95
Your down payment$352,048.95
Closing costs + prepaids$16,229.65
Total buyer cash needed$368,278.60
Remaining funds due$368,278.60
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%)$1,739.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$830.50
Initial HOA (3 months)$345.00
Prepaid interest, first (31 days)$847.90
Fees + prepaids$16,229.65
Your down payment is the seller’s equity. You take over the $347,851 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $368,278.60 is due at closing. Uses and sources reconcile at $716,129.65 each. Not a Closing Disclosure.