Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$432,912Cash toward the purchase price.
Closing costs + prepaids$16,086Not just lender fees.
Before credits & paid funds$448,998The complete starting cash picture.
Estimated remaining funds due at closing
$448,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,912.14
Your down payment$432,912.14
Closing costs + prepaids$16,085.94
Total buyer cash needed$448,998.09
Remaining funds due$448,998.09
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%)$1,310.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,544.00
Initial HOA (3 months)$31.26
Prepaid interest, first (26 days)$782.24
Fees + prepaids$16,085.94
Your down payment is the seller’s equity. You take over the $262,088 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $448,998.09 is due at closing. Uses and sources reconcile at $711,085.94 each. Not a Closing Disclosure.