Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$438,822Cash toward the purchase price.
Closing costs + prepaids$15,039Not just lender fees.
Before credits & paid funds$453,860The complete starting cash picture.
Estimated remaining funds due at closing
$453,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$438,821.75
Your down payment$438,821.75
Closing costs + prepaids$15,038.54
Total buyer cash needed$453,860.29
Remaining funds due$453,860.29
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%)$1,300.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$737.50
Initial HOA (3 months)$510.00
Prepaid interest, first (1 days)$32.15
Fees + prepaids$15,038.54
Your down payment is the seller’s equity. You take over the $260,178 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $453,860.29 is due at closing. Uses and sources reconcile at $714,038.54 each. Not a Closing Disclosure.