Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$276,494Cash toward the purchase price.
Closing costs + prepaids$17,184Not just lender fees.
Before credits & paid funds$293,678The complete starting cash picture.
Estimated remaining funds due at closing
$293,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,493.58
Your down payment$276,493.58
Closing costs + prepaids$17,184.49
Total buyer cash needed$293,678.08
Remaining funds due$293,678.08
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%)$2,067.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,578.75
Initial HOA (3 months)$171.00
Prepaid interest, first (30 days)$999.21
Fees + prepaids$17,184.49
Your down payment is the seller’s equity. You take over the $413,506 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $293,678.08 is due at closing. Uses and sources reconcile at $707,184.49 each. Not a Closing Disclosure.