Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$313,161Cash toward the purchase price.
Closing costs + prepaids$15,528Not just lender fees.
Before credits & paid funds$328,689The complete starting cash picture.
Estimated remaining funds due at closing
$328,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,161.25
Your down payment$313,161.25
Closing costs + prepaids$15,527.65
Total buyer cash needed$328,688.90
Remaining funds due$328,688.90
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%)$6,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,909.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$834.00
Initial HOA (3 months)$27.51
Prepaid interest, first (9 days)$338.95
Fees + prepaids$15,527.65
Your down payment is the seller’s equity. You take over the $381,839 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $328,688.90 is due at closing. Uses and sources reconcile at $710,527.65 each. Not a Closing Disclosure.