Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$217,088Cash toward the purchase price.
Closing costs + prepaids$16,001Not just lender fees.
Before credits & paid funds$233,089The complete starting cash picture.
Estimated remaining funds due at closing
$233,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,087.70
Your down payment$217,087.70
Closing costs + prepaids$16,001.03
Total buyer cash needed$233,088.73
Remaining funds due$233,088.73
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%)$2,414.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$747.50
Initial HOA (3 months)$333.00
Prepaid interest, first (1 days)$37.97
Fees + prepaids$16,001.03
Your down payment is the seller’s equity. You take over the $482,912 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $233,088.73 is due at closing. Uses and sources reconcile at $716,001.03 each. Not a Closing Disclosure.