Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$276,861Cash toward the purchase price.
Closing costs + prepaids$18,323Not just lender fees.
Before credits & paid funds$295,185The complete starting cash picture.
Estimated remaining funds due at closing
$295,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,861.40
Your down payment$276,861.40
Closing costs + prepaids$18,323.27
Total buyer cash needed$295,184.67
Remaining funds due$295,184.67
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%)$2,110.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,771.00
Initial HOA (3 months)$450.00
Prepaid interest, first (30 days)$1,533.58
Fees + prepaids$18,323.27
Your down payment is the seller’s equity. You take over the $422,139 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $295,184.67 is due at closing. Uses and sources reconcile at $717,323.27 each. Not a Closing Disclosure.