Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$523,539Cash toward the purchase price.
Closing costs + prepaids$14,427Not just lender fees.
Before credits & paid funds$537,966The complete starting cash picture.
Estimated remaining funds due at closing
$537,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$523,539.23
Your down payment$523,539.23
Closing costs + prepaids$14,427.07
Total buyer cash needed$537,966.30
Remaining funds due$537,966.30
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%)$877.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$670.50
Initial HOA (3 months)$153.99
Prepaid interest, first (20 days)$267.28
Fees + prepaids$14,427.07
Your down payment is the seller’s equity. You take over the $175,461 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $537,966.30 is due at closing. Uses and sources reconcile at $713,427.07 each. Not a Closing Disclosure.