Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$430,609Cash toward the purchase price.
Closing costs + prepaids$16,762Not just lender fees.
Before credits & paid funds$447,370The complete starting cash picture.
Estimated remaining funds due at closing
$447,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,608.67
Your down payment$430,608.67
Closing costs + prepaids$16,761.73
Total buyer cash needed$447,370.40
Remaining funds due$447,370.40
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%)$1,341.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,306.25
Initial HOA (3 months)$1,023.00
Prepaid interest, first (23 days)$632.52
Fees + prepaids$16,761.73
Your down payment is the seller’s equity. You take over the $268,391 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $447,370.40 is due at closing. Uses and sources reconcile at $715,761.73 each. Not a Closing Disclosure.