Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$563,784Cash toward the purchase price.
Closing costs + prepaids$14,118Not just lender fees.
Before credits & paid funds$577,902The complete starting cash picture.
Estimated remaining funds due at closing
$577,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$563,783.85
Your down payment$563,783.85
Closing costs + prepaids$14,117.70
Total buyer cash needed$577,901.55
Remaining funds due$577,901.55
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%)$676.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$663.00
Initial HOA (3 months)$309.99
Prepaid interest, first (1 days)$10.63
Fees + prepaids$14,117.70
Your down payment is the seller’s equity. You take over the $135,216 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $577,901.55 is due at closing. Uses and sources reconcile at $713,117.70 each. Not a Closing Disclosure.