Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$629,157Cash toward the purchase price.
Closing costs + prepaids$14,532Not just lender fees.
Before credits & paid funds$643,689The complete starting cash picture.
Estimated remaining funds due at closing
$643,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$629,157.28
Your down payment$629,157.28
Closing costs + prepaids$14,531.72
Total buyer cash needed$643,689.00
Remaining funds due$643,689.00
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%)$354.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$873.00
Initial HOA (3 months)$639.99
Prepaid interest, first (27 days)$196.52
Fees + prepaids$14,531.72
Your down payment is the seller’s equity. You take over the $70,843 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $643,689.00 is due at closing. Uses and sources reconcile at $714,531.72 each. Not a Closing Disclosure.