Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$443,821Cash toward the purchase price.
Closing costs + prepaids$15,048Not just lender fees.
Before credits & paid funds$458,869The complete starting cash picture.
Estimated remaining funds due at closing
$458,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$443,820.97
Your down payment$443,820.97
Closing costs + prepaids$15,048.02
Total buyer cash needed$458,868.99
Remaining funds due$458,868.99
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,280.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$551.00
Initial HOA (3 months)$137.49
Prepaid interest, first (25 days)$612.13
Fees + prepaids$15,048.02
Your down payment is the seller’s equity. You take over the $256,079 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $458,868.99 is due at closing. Uses and sources reconcile at $714,948.02 each. Not a Closing Disclosure.