Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$462,753Cash toward the purchase price.
Closing costs + prepaids$14,393Not just lender fees.
Before credits & paid funds$477,145The complete starting cash picture.
Estimated remaining funds due at closing
$477,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,752.55
Your down payment$462,752.55
Closing costs + prepaids$14,392.64
Total buyer cash needed$477,145.19
Remaining funds due$477,145.19
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%)$1,185.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (26 days)$739.90
Fees + prepaids$14,392.64
Your down payment is the seller’s equity. You take over the $237,147 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $477,145.19 is due at closing. Uses and sources reconcile at $714,292.64 each. Not a Closing Disclosure.