Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$259,200Cash toward the purchase price.
Closing costs + prepaids$16,423Not just lender fees.
Before credits & paid funds$275,623The complete starting cash picture.
Estimated remaining funds due at closing
$275,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,199.56
Your down payment$259,199.56
Closing costs + prepaids$16,423.27
Total buyer cash needed$275,622.83
Remaining funds due$275,622.83
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%)$2,204.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$828.50
Prepaid interest, first (27 days)$922.78
Fees + prepaids$16,423.27
Your down payment is the seller’s equity. You take over the $440,799 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $275,622.83 is due at closing. Uses and sources reconcile at $716,422.27 each. Not a Closing Disclosure.