Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$460,935Cash toward the purchase price.
Closing costs + prepaids$16,323Not just lender fees.
Before credits & paid funds$477,258The complete starting cash picture.
Estimated remaining funds due at closing
$477,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$460,935.13
Your down payment$460,935.13
Closing costs + prepaids$16,323.34
Total buyer cash needed$477,258.47
Remaining funds due$477,258.47
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%)$6,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,115.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,710.00
Initial HOA (3 months)$750.00
Prepaid interest, first (24 days)$440.02
Fees + prepaids$16,323.34
Your down payment is the seller’s equity. You take over the $223,065 balance, so the rest of the $684,000 price is paid at closing. A second mortgage can cover part of it. $477,258.47 is due at closing. Uses and sources reconcile at $700,323.34 each. Not a Closing Disclosure.