Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$420,947Cash toward the purchase price.
Closing costs + prepaids$14,959Not just lender fees.
Before credits & paid funds$435,907The complete starting cash picture.
Estimated remaining funds due at closing
$435,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$420,947.26
Your down payment$420,947.26
Closing costs + prepaids$14,959.43
Total buyer cash needed$435,906.69
Remaining funds due$435,906.69
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%)$1,390.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$838.75
Prepaid interest, first (12 days)$272.42
Fees + prepaids$14,959.43
Your down payment is the seller’s equity. You take over the $278,053 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $435,906.69 is due at closing. Uses and sources reconcile at $713,959.43 each. Not a Closing Disclosure.