Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$392,364Cash toward the purchase price.
Closing costs + prepaids$15,240Not just lender fees.
Before credits & paid funds$407,604The complete starting cash picture.
Estimated remaining funds due at closing
$407,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,364.01
Your down payment$392,364.01
Closing costs + prepaids$15,239.85
Total buyer cash needed$407,603.86
Remaining funds due$407,603.86
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%)$6,949.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,513.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$505.25
Prepaid interest, first (30 days)$803.43
Fees + prepaids$15,239.85
Your down payment is the seller’s equity. You take over the $302,635 balance, so the rest of the $694,999 price is paid at closing. A second mortgage can cover part of it. $407,603.86 is due at closing. Uses and sources reconcile at $710,238.85 each. Not a Closing Disclosure.