Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$281,967Cash toward the purchase price.
Closing costs + prepaids$17,121Not just lender fees.
Before credits & paid funds$299,088The complete starting cash picture.
Estimated remaining funds due at closing
$299,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,967.30
Your down payment$281,967.30
Closing costs + prepaids$17,120.96
Total buyer cash needed$299,088.26
Remaining funds due$299,088.26
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%)$2,065.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,737.50
Prepaid interest, first (26 days)$900.30
Fees + prepaids$17,120.96
Your down payment is the seller’s equity. You take over the $413,033 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $299,088.26 is due at closing. Uses and sources reconcile at $712,120.96 each. Not a Closing Disclosure.