Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$509,766Cash toward the purchase price.
Closing costs + prepaids$15,418Not just lender fees.
Before credits & paid funds$525,184The complete starting cash picture.
Estimated remaining funds due at closing
$525,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,765.52
Your down payment$509,765.52
Closing costs + prepaids$15,418.47
Total buyer cash needed$525,183.99
Remaining funds due$525,183.99
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$950.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,162.00
Initial HOA (3 months)$525.00
Prepaid interest, first (24 days)$313.80
Fees + prepaids$15,418.47
Your down payment is the seller’s equity. You take over the $190,134 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $525,183.99 is due at closing. Uses and sources reconcile at $715,318.47 each. Not a Closing Disclosure.