Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$412,956Cash toward the purchase price.
Closing costs + prepaids$14,482Not just lender fees.
Before credits & paid funds$427,439The complete starting cash picture.
Estimated remaining funds due at closing
$427,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$412,956.41
Your down payment$412,956.41
Closing costs + prepaids$14,482.49
Total buyer cash needed$427,438.90
Remaining funds due$427,438.90
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%)$1,360.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$214.25
Initial HOA (3 months)$123.75
Prepaid interest, first (23 days)$466.28
Fees + prepaids$14,482.49
Your down payment is the seller’s equity. You take over the $272,044 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $427,438.90 is due at closing. Uses and sources reconcile at $699,482.49 each. Not a Closing Disclosure.