Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$681,490Cash toward the purchase price.
Closing costs + prepaids$13,089Not just lender fees.
Before credits & paid funds$694,579The complete starting cash picture.
Estimated remaining funds due at closing
$694,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$681,489.81
Your down payment$681,489.81
Closing costs + prepaids$13,088.71
Total buyer cash needed$694,578.52
Remaining funds due$694,578.52
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%)$17.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$733.50
Prepaid interest, first (27 days)$19.66
Fees + prepaids$13,088.71
Your down payment is the seller’s equity. You take over the $3,510 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $694,578.52 is due at closing. Uses and sources reconcile at $698,088.71 each. Not a Closing Disclosure.