Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$258,399Cash toward the purchase price.
Closing costs + prepaids$17,369Not just lender fees.
Before credits & paid funds$275,768The complete starting cash picture.
Estimated remaining funds due at closing
$275,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,398.85
Your down payment$258,398.85
Closing costs + prepaids$17,368.90
Total buyer cash needed$275,767.75
Remaining funds due$275,767.75
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%)$6,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,203.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,747.50
Prepaid interest, first (26 days)$960.39
Fees + prepaids$17,368.90
Your down payment is the seller’s equity. You take over the $440,601 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $275,767.75 is due at closing. Uses and sources reconcile at $716,368.90 each. Not a Closing Disclosure.