Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$473,452Cash toward the purchase price.
Closing costs + prepaids$15,046Not just lender fees.
Before credits & paid funds$488,498The complete starting cash picture.
Estimated remaining funds due at closing
$488,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$473,452.19
Your down payment$473,452.19
Closing costs + prepaids$15,045.96
Total buyer cash needed$488,498.14
Remaining funds due$488,498.14
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%)$6,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,082.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,056.25
Prepaid interest, first (31 days)$540.47
Fees + prepaids$15,045.96
Your down payment is the seller’s equity. You take over the $216,448 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $488,498.14 is due at closing. Uses and sources reconcile at $704,945.96 each. Not a Closing Disclosure.