Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$437,963Cash toward the purchase price.
Closing costs + prepaids$15,025Not just lender fees.
Before credits & paid funds$452,988The complete starting cash picture.
Estimated remaining funds due at closing
$452,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$437,963.32
Your down payment$437,963.32
Closing costs + prepaids$15,025.06
Total buyer cash needed$452,988.38
Remaining funds due$452,988.38
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%)$6,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,205.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$679.25
Initial HOA (3 months)$333.99
Prepaid interest, first (31 days)$548.64
Fees + prepaids$15,025.06
Your down payment is the seller’s equity. You take over the $241,037 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $452,988.38 is due at closing. Uses and sources reconcile at $694,025.06 each. Not a Closing Disclosure.