Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$309,886Cash toward the purchase price.
Closing costs + prepaids$16,351Not just lender fees.
Before credits & paid funds$326,237The complete starting cash picture.
Estimated remaining funds due at closing
$326,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,886.44
Your down payment$309,886.44
Closing costs + prepaids$16,350.55
Total buyer cash needed$326,237.00
Remaining funds due$326,237.00
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%)$1,950.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$875.00
Prepaid interest, first (13 days)$1,058.49
Fees + prepaids$16,350.55
Your down payment is the seller’s equity. You take over the $390,014 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $326,237.00 is due at closing. Uses and sources reconcile at $716,250.55 each. Not a Closing Disclosure.