Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$352,267Cash toward the purchase price.
Closing costs + prepaids$16,000Not just lender fees.
Before credits & paid funds$368,267The complete starting cash picture.
Estimated remaining funds due at closing
$368,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,267.16
Your down payment$352,267.16
Closing costs + prepaids$16,000.13
Total buyer cash needed$368,267.29
Remaining funds due$368,267.29
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%)$1,788.66
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 (18 days)$495.73
Fees + prepaids$16,000.13
Your down payment is the seller’s equity. You take over the $357,732 balance, so the rest of the $709,999 price is paid at closing. A second mortgage can cover part of it. $368,267.29 is due at closing. Uses and sources reconcile at $725,999.13 each. Not a Closing Disclosure.