Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$586,511Cash toward the purchase price.
Closing costs + prepaids$14,952Not just lender fees.
Before credits & paid funds$601,463The complete starting cash picture.
Estimated remaining funds due at closing
$601,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$586,510.77
Your down payment$586,510.77
Closing costs + prepaids$14,951.78
Total buyer cash needed$601,462.55
Remaining funds due$601,462.55
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%)$542.45
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 (28 days)$253.84
Fees + prepaids$14,951.78
Your down payment is the seller’s equity. You take over the $108,489 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $601,462.55 is due at closing. Uses and sources reconcile at $709,951.78 each. Not a Closing Disclosure.