Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$537,412Cash toward the purchase price.
Closing costs + prepaids$14,323Not just lender fees.
Before credits & paid funds$551,735The complete starting cash picture.
Estimated remaining funds due at closing
$551,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$537,412.10
Your down payment$537,412.10
Closing costs + prepaids$14,323.13
Total buyer cash needed$551,735.23
Remaining funds due$551,735.23
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%)$807.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$623.25
Prepaid interest, first (26 days)$433.94
Fees + prepaids$14,323.13
Your down payment is the seller’s equity. You take over the $161,588 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $551,735.23 is due at closing. Uses and sources reconcile at $713,323.13 each. Not a Closing Disclosure.