Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$417,900Cash toward the purchase price.
Closing costs + prepaids$15,198Not just lender fees.
Before credits & paid funds$433,098The complete starting cash picture.
Estimated remaining funds due at closing
$433,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$417,899.50
Your down payment$417,899.50
Closing costs + prepaids$15,198.36
Total buyer cash needed$433,097.86
Remaining funds due$433,097.86
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,410.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$555.00
Initial HOA (3 months)$189.99
Prepaid interest, first (20 days)$576.36
Fees + prepaids$15,198.36
Your down payment is the seller’s equity. You take over the $282,000 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $433,097.86 is due at closing. Uses and sources reconcile at $715,098.36 each. Not a Closing Disclosure.