Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$456,462Cash toward the purchase price.
Closing costs + prepaids$14,485Not just lender fees.
Before credits & paid funds$470,948The complete starting cash picture.
Estimated remaining funds due at closing
$470,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$456,462.48
Your down payment$456,462.48
Closing costs + prepaids$14,485.35
Total buyer cash needed$470,947.83
Remaining funds due$470,947.83
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%)$6,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,212.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$454.25
Initial HOA (3 months)$324.00
Prepaid interest, first (2 days)$36.41
Fees + prepaids$14,485.35
Your down payment is the seller’s equity. You take over the $242,538 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $470,947.83 is due at closing. Uses and sources reconcile at $713,485.35 each. Not a Closing Disclosure.