Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$445,177Cash toward the purchase price.
Closing costs + prepaids$15,543Not just lender fees.
Before credits & paid funds$460,719The complete starting cash picture.
Estimated remaining funds due at closing
$460,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$445,176.60
Your down payment$445,176.60
Closing costs + prepaids$15,542.87
Total buyer cash needed$460,719.47
Remaining funds due$460,719.47
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%)$1,224.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$802.25
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$773.51
Fees + prepaids$15,542.87
Your down payment is the seller’s equity. You take over the $244,823 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $460,719.47 is due at closing. Uses and sources reconcile at $705,542.87 each. Not a Closing Disclosure.