Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$564,109Cash toward the purchase price.
Closing costs + prepaids$14,392Not just lender fees.
Before credits & paid funds$578,501The complete starting cash picture.
Estimated remaining funds due at closing
$578,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$564,109.04
Your down payment$564,109.04
Closing costs + prepaids$14,391.82
Total buyer cash needed$578,500.86
Remaining funds due$578,500.86
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%)$6,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$674.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$663.00
Initial HOA (3 months)$309.99
Prepaid interest, first (27 days)$286.38
Fees + prepaids$14,391.82
Your down payment is the seller’s equity. You take over the $134,891 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $578,500.86 is due at closing. Uses and sources reconcile at $713,391.82 each. Not a Closing Disclosure.