Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$352,049Cash toward the purchase price.
Closing costs + prepaids$15,956Not just lender fees.
Before credits & paid funds$368,005The complete starting cash picture.
Estimated remaining funds due at closing
$368,005No 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$15,956.14
Total buyer cash needed$368,005.08
Remaining funds due$368,005.08
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 (21 days)$574.38
Fees + prepaids$15,956.14
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. $368,005.08 is due at closing. Uses and sources reconcile at $715,856.14 each. Not a Closing Disclosure.