Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$417,352Cash toward the purchase price.
Closing costs + prepaids$15,647Not just lender fees.
Before credits & paid funds$432,999The complete starting cash picture.
Estimated remaining funds due at closing
$432,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$417,351.88
Your down payment$417,351.88
Closing costs + prepaids$15,646.83
Total buyer cash needed$432,998.72
Remaining funds due$432,998.72
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%)$6,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,403.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,745.00
Prepaid interest, first (2 days)$50.59
Fees + prepaids$15,646.83
Your down payment is the seller’s equity. You take over the $280,648 balance, so the rest of the $698,000 price is paid at closing. A second mortgage can cover part of it. $432,998.72 is due at closing. Uses and sources reconcile at $713,646.83 each. Not a Closing Disclosure.