Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$432,811Cash toward the purchase price.
Closing costs + prepaids$16,041Not just lender fees.
Before credits & paid funds$448,853The complete starting cash picture.
Estimated remaining funds due at closing
$448,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,811.25
Your down payment$432,811.25
Closing costs + prepaids$16,041.47
Total buyer cash needed$448,852.72
Remaining funds due$448,852.72
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%)$1,330.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,747.50
Prepaid interest, first (25 days)$505.03
Fees + prepaids$16,041.47
Your down payment is the seller’s equity. You take over the $266,189 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $448,852.72 is due at closing. Uses and sources reconcile at $715,041.47 each. Not a Closing Disclosure.