Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$680,132Cash toward the purchase price.
Closing costs + prepaids$17,917Not just lender fees.
Before credits & paid funds$698,049The complete starting cash picture.
Estimated remaining funds due at closing
$698,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$680,131.92
Your down payment$680,131.92
Closing costs + prepaids$17,917.09
Total buyer cash needed$698,049.00
Remaining funds due$698,049.00
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%)$9,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,348.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$657.75
Initial HOA (3 months)$168.00
Prepaid interest, first (1 days)$25.50
Fees + prepaids$17,917.09
Your down payment is the seller’s equity. You take over the $269,768 balance, so the rest of the $949,900 price is paid at closing. A second mortgage can cover part of it. $698,049.00 is due at closing. Uses and sources reconcile at $967,817.09 each. Not a Closing Disclosure.