Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$504,357Cash toward the purchase price.
Closing costs + prepaids$15,172Not just lender fees.
Before credits & paid funds$519,529The complete starting cash picture.
Estimated remaining funds due at closing
$519,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$504,356.53
Your down payment$504,356.53
Closing costs + prepaids$15,172.28
Total buyer cash needed$519,528.81
Remaining funds due$519,528.81
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%)$6,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$928.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,546.25
Initial HOA (3 months)$288.00
Prepaid interest, first (2 days)$41.81
Fees + prepaids$15,172.28
Your down payment is the seller’s equity. You take over the $185,643 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $519,528.81 is due at closing. Uses and sources reconcile at $705,172.28 each. Not a Closing Disclosure.