Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$440,693Cash toward the purchase price.
Closing costs + prepaids$14,607Not just lender fees.
Before credits & paid funds$455,300The complete starting cash picture.
Estimated remaining funds due at closing
$455,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,692.78
Your down payment$440,692.78
Closing costs + prepaids$14,607.27
Total buyer cash needed$455,300.04
Remaining funds due$455,300.04
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%)$6,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,271.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$638.00
Initial HOA (3 months)$252.00
Prepaid interest, first (1 days)$27.73
Fees + prepaids$14,607.27
Your down payment is the seller’s equity. You take over the $254,307 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $455,300.04 is due at closing. Uses and sources reconcile at $709,607.27 each. Not a Closing Disclosure.