Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$494,334Cash toward the purchase price.
Closing costs + prepaids$15,597Not just lender fees.
Before credits & paid funds$509,930The complete starting cash picture.
Estimated remaining funds due at closing
$509,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$494,333.67
Your down payment$494,333.67
Closing costs + prepaids$15,596.51
Total buyer cash needed$509,930.18
Remaining funds due$509,930.18
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%)$6,899.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$978.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,725.00
Prepaid interest, first (28 days)$525.32
Fees + prepaids$15,596.51
Your down payment is the seller’s equity. You take over the $195,656 balance, so the rest of the $689,990 price is paid at closing. A second mortgage can cover part of it. $509,930.18 is due at closing. Uses and sources reconcile at $705,586.51 each. Not a Closing Disclosure.