Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$628,883Cash toward the purchase price.
Closing costs + prepaids$14,344Not just lender fees.
Before credits & paid funds$643,226The complete starting cash picture.
Estimated remaining funds due at closing
$643,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$628,882.60
Your down payment$628,882.60
Closing costs + prepaids$14,343.88
Total buyer cash needed$643,226.48
Remaining funds due$643,226.48
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%)$7,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$355.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$873.00
Initial HOA (3 months)$639.99
Prepaid interest, first (1 days)$7.31
Fees + prepaids$14,343.88
Your down payment is the seller’s equity. You take over the $71,117 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $643,226.48 is due at closing. Uses and sources reconcile at $714,343.88 each. Not a Closing Disclosure.