Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$425,952Cash toward the purchase price.
Closing costs + prepaids$14,480Not just lender fees.
Before credits & paid funds$440,432The complete starting cash picture.
Estimated remaining funds due at closing
$440,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,952.19
Your down payment$425,952.19
Closing costs + prepaids$14,480.15
Total buyer cash needed$440,432.34
Remaining funds due$440,432.34
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%)$6,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,344.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$677.00
Prepaid interest, first (2 days)$41.41
Fees + prepaids$14,480.15
Your down payment is the seller’s equity. You take over the $268,948 balance, so the rest of the $694,900 price is paid at closing. A second mortgage can cover part of it. $440,432.34 is due at closing. Uses and sources reconcile at $709,380.15 each. Not a Closing Disclosure.