Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$286,004Cash toward the purchase price.
Closing costs + prepaids$18,540Not just lender fees.
Before credits & paid funds$304,544The complete starting cash picture.
Estimated remaining funds due at closing
$304,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,003.66
Your down payment$286,003.66
Closing costs + prepaids$18,540.20
Total buyer cash needed$304,543.85
Remaining funds due$304,543.85
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%)$6,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,069.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,750.00
Initial HOA (3 months)$1,020.00
Prepaid interest, first (28 days)$1,232.23
Fees + prepaids$18,540.20
Your down payment is the seller’s equity. You take over the $413,995 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $304,543.85 is due at closing. Uses and sources reconcile at $718,539.20 each. Not a Closing Disclosure.