Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$460,048Cash toward the purchase price.
Closing costs + prepaids$14,834Not just lender fees.
Before credits & paid funds$474,882The complete starting cash picture.
Estimated remaining funds due at closing
$474,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$460,048.35
Your down payment$460,048.35
Closing costs + prepaids$14,833.67
Total buyer cash needed$474,882.01
Remaining funds due$474,882.01
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%)$6,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,094.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$857.00
Initial HOA (3 months)$210.00
Prepaid interest, first (23 days)$413.91
Fees + prepaids$14,833.67
Your down payment is the seller’s equity. You take over the $218,952 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $474,882.01 is due at closing. Uses and sources reconcile at $693,833.67 each. Not a Closing Disclosure.