Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$245,082Cash toward the purchase price.
Closing costs + prepaids$18,156Not just lender fees.
Before credits & paid funds$263,238The complete starting cash picture.
Estimated remaining funds due at closing
$263,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,082.10
Your down payment$245,082.10
Closing costs + prepaids$18,155.85
Total buyer cash needed$263,237.95
Remaining funds due$263,237.95
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%)$6,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,269.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,747.50
Initial HOA (3 months)$660.00
Prepaid interest, first (27 days)$1,020.76
Fees + prepaids$18,155.85
Your down payment is the seller’s equity. You take over the $453,918 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $263,237.95 is due at closing. Uses and sources reconcile at $717,155.85 each. Not a Closing Disclosure.