Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$517,291Cash toward the purchase price.
Closing costs + prepaids$14,326Not just lender fees.
Before credits & paid funds$531,617The complete starting cash picture.
Estimated remaining funds due at closing
$531,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$517,290.54
Your down payment$517,290.54
Closing costs + prepaids$14,326.16
Total buyer cash needed$531,616.70
Remaining funds due$531,616.70
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$838.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$644.25
Initial HOA (3 months)$78.75
Prepaid interest, first (27 days)$446.61
Fees + prepaids$14,326.16
Your down payment is the seller’s equity. You take over the $167,709 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $531,616.70 is due at closing. Uses and sources reconcile at $699,326.16 each. Not a Closing Disclosure.