Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$306,907Cash toward the purchase price.
Closing costs + prepaids$16,552Not just lender fees.
Before credits & paid funds$323,459The complete starting cash picture.
Estimated remaining funds due at closing
$323,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,907.11
Your down payment$306,907.11
Closing costs + prepaids$16,552.30
Total buyer cash needed$323,459.41
Remaining funds due$323,459.41
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%)$7,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,060.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6.75
Prepaid interest, first (18 days)$1,077.09
Fees + prepaids$16,552.30
Your down payment is the seller’s equity. You take over the $412,093 balance, so the rest of the $719,000 price is paid at closing. A second mortgage can cover part of it. $323,459.41 is due at closing. Uses and sources reconcile at $735,552.30 each. Not a Closing Disclosure.