Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$270,957Cash toward the purchase price.
Closing costs + prepaids$15,949Not just lender fees.
Before credits & paid funds$286,906The complete starting cash picture.
Estimated remaining funds due at closing
$286,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,957.24
Your down payment$270,957.24
Closing costs + prepaids$15,949.05
Total buyer cash needed$286,906.29
Remaining funds due$286,906.29
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%)$2,144.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$417.75
Prepaid interest, first (25 days)$919.58
Fees + prepaids$15,949.05
Your down payment is the seller’s equity. You take over the $428,943 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $286,906.29 is due at closing. Uses and sources reconcile at $715,849.05 each. Not a Closing Disclosure.