Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$477,874Cash toward the purchase price.
Closing costs + prepaids$14,668Not just lender fees.
Before credits & paid funds$492,543The complete starting cash picture.
Estimated remaining funds due at closing
$492,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$477,874.46
Your down payment$477,874.46
Closing costs + prepaids$14,668.48
Total buyer cash needed$492,542.94
Remaining funds due$492,542.94
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%)$1,105.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$428.75
Prepaid interest, first (31 days)$676.10
Fees + prepaids$14,668.48
Your down payment is the seller’s equity. You take over the $221,126 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $492,542.94 is due at closing. Uses and sources reconcile at $713,668.48 each. Not a Closing Disclosure.