Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$355,282Cash toward the purchase price.
Closing costs + prepaids$15,497Not just lender fees.
Before credits & paid funds$370,779The complete starting cash picture.
Estimated remaining funds due at closing
$370,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,281.99
Your down payment$355,281.99
Closing costs + prepaids$15,497.13
Total buyer cash needed$370,779.11
Remaining funds due$370,779.11
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%)$1,723.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$883.75
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$27.29
Fees + prepaids$15,497.13
Your down payment is the seller’s equity. You take over the $344,618 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $370,779.11 is due at closing. Uses and sources reconcile at $715,397.13 each. Not a Closing Disclosure.