Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$478,594Cash toward the purchase price.
Closing costs + prepaids$14,603Not just lender fees.
Before credits & paid funds$493,197The complete starting cash picture.
Estimated remaining funds due at closing
$493,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$478,593.82
Your down payment$478,593.82
Closing costs + prepaids$14,603.18
Total buyer cash needed$493,197.00
Remaining funds due$493,197.00
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%)$1,057.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$580.25
Prepaid interest, first (31 days)$597.90
Fees + prepaids$14,603.18
Your down payment is the seller’s equity. You take over the $211,406 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $493,197.00 is due at closing. Uses and sources reconcile at $704,603.18 each. Not a Closing Disclosure.