Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$528,959Cash toward the purchase price.
Closing costs + prepaids$14,474Not just lender fees.
Before credits & paid funds$543,433The complete starting cash picture.
Estimated remaining funds due at closing
$543,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$528,958.89
Your down payment$528,958.89
Closing costs + prepaids$14,474.20
Total buyer cash needed$543,433.09
Remaining funds due$543,433.09
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%)$805.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$656.75
Initial HOA (3 months)$135.00
Prepaid interest, first (29 days)$509.24
Fees + prepaids$14,474.20
Your down payment is the seller’s equity. You take over the $161,041 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $543,433.09 is due at closing. Uses and sources reconcile at $704,474.20 each. Not a Closing Disclosure.