Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$412,405Cash toward the purchase price.
Closing costs + prepaids$17,085Not just lender fees.
Before credits & paid funds$429,490The complete starting cash picture.
Estimated remaining funds due at closing
$429,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$412,405.13
Your down payment$412,405.13
Closing costs + prepaids$17,084.64
Total buyer cash needed$429,489.77
Remaining funds due$429,489.77
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%)$1,412.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,412.50
Initial HOA (3 months)$1,065.00
Prepaid interest, first (25 days)$776.17
Fees + prepaids$17,084.64
Your down payment is the seller’s equity. You take over the $282,595 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $429,489.77 is due at closing. Uses and sources reconcile at $712,084.64 each. Not a Closing Disclosure.