Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$287,929Cash toward the purchase price.
Closing costs + prepaids$18,154Not just lender fees.
Before credits & paid funds$306,084The complete starting cash picture.
Estimated remaining funds due at closing
$306,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,929.29
Your down payment$287,929.29
Closing costs + prepaids$18,154.41
Total buyer cash needed$306,083.70
Remaining funds due$306,083.70
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%)$6,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,010.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,196.50
Initial HOA (3 months)$618.00
Prepaid interest, first (29 days)$961.55
Fees + prepaids$18,154.41
Your down payment is the seller’s equity. You take over the $402,071 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $306,083.70 is due at closing. Uses and sources reconcile at $708,154.41 each. Not a Closing Disclosure.