Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$415,710Cash toward the purchase price.
Closing costs + prepaids$16,734Not just lender fees.
Before credits & paid funds$432,445The complete starting cash picture.
Estimated remaining funds due at closing
$432,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,710.25
Your down payment$415,710.25
Closing costs + prepaids$16,734.44
Total buyer cash needed$432,444.70
Remaining funds due$432,444.70
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,420.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$608.50
Initial HOA (3 months)$858.00
Prepaid interest, first (28 days)$1,379.99
Fees + prepaids$16,734.44
Your down payment is the seller’s equity. You take over the $284,190 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $432,444.70 is due at closing. Uses and sources reconcile at $716,634.44 each. Not a Closing Disclosure.