Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$439,386Cash toward the purchase price.
Closing costs + prepaids$15,870Not just lender fees.
Before credits & paid funds$455,256The complete starting cash picture.
Estimated remaining funds due at closing
$455,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$439,386.05
Your down payment$439,386.05
Closing costs + prepaids$15,869.68
Total buyer cash needed$455,255.73
Remaining funds due$455,255.73
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%)$1,298.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$737.50
Initial HOA (3 months)$510.00
Prepaid interest, first (27 days)$866.11
Fees + prepaids$15,869.68
Your down payment is the seller’s equity. You take over the $259,614 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $455,255.73 is due at closing. Uses and sources reconcile at $714,869.68 each. Not a Closing Disclosure.