Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$359,759Cash toward the purchase price.
Closing costs + prepaids$15,284Not just lender fees.
Before credits & paid funds$375,043The complete starting cash picture.
Estimated remaining funds due at closing
$375,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,759.16
Your down payment$359,759.16
Closing costs + prepaids$15,283.51
Total buyer cash needed$375,042.68
Remaining funds due$375,042.68
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%)$1,676.20
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)$156.00
Prepaid interest, first (7 days)$199.31
Fees + prepaids$15,283.51
Your down payment is the seller’s equity. You take over the $335,241 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $375,042.68 is due at closing. Uses and sources reconcile at $710,283.51 each. Not a Closing Disclosure.