Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$541,039Cash toward the purchase price.
Closing costs + prepaids$13,731Not just lender fees.
Before credits & paid funds$554,769The complete starting cash picture.
Estimated remaining funds due at closing
$554,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$541,038.82
Your down payment$541,038.82
Closing costs + prepaids$13,730.58
Total buyer cash needed$554,769.40
Remaining funds due$554,769.40
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%)$7,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$794.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$213.00
Prepaid interest, first (26 days)$254.77
Fees + prepaids$13,730.58
Your down payment is the seller’s equity. You take over the $158,961 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $554,769.40 is due at closing. Uses and sources reconcile at $713,730.58 each. Not a Closing Disclosure.