Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$257,365Cash toward the purchase price.
Closing costs + prepaids$17,334Not just lender fees.
Before credits & paid funds$274,699The complete starting cash picture.
Estimated remaining funds due at closing
$274,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,364.51
Your down payment$257,364.51
Closing costs + prepaids$17,334.17
Total buyer cash needed$274,698.68
Remaining funds due$274,698.68
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%)$2,208.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,640.25
Prepaid interest, first (31 days)$1,027.74
Fees + prepaids$17,334.17
Your down payment is the seller’s equity. You take over the $441,635 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $274,698.68 is due at closing. Uses and sources reconcile at $716,334.17 each. Not a Closing Disclosure.