Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$474,954Cash toward the purchase price.
Closing costs + prepaids$14,284Not just lender fees.
Before credits & paid funds$489,239The complete starting cash picture.
Estimated remaining funds due at closing
$489,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$474,954.28
Your down payment$474,954.28
Closing costs + prepaids$14,284.40
Total buyer cash needed$489,238.68
Remaining funds due$489,238.68
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%)$6,989.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,119.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$154.25
Prepaid interest, first (22 days)$553.42
Fees + prepaids$14,284.40
Your down payment is the seller’s equity. You take over the $223,946 balance, so the rest of the $698,900 price is paid at closing. A second mortgage can cover part of it. $489,238.68 is due at closing. Uses and sources reconcile at $713,184.40 each. Not a Closing Disclosure.