Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$249,763Cash toward the purchase price.
Closing costs + prepaids$15,133Not just lender fees.
Before credits & paid funds$264,896The complete starting cash picture.
Estimated remaining funds due at closing
$264,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,762.98
Your down payment$249,762.98
Closing costs + prepaids$15,132.83
Total buyer cash needed$264,895.80
Remaining funds due$264,895.80
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%)$6,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,201.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$526.25
Prepaid interest, first (1 days)$37.39
Fees + prepaids$15,132.83
Your down payment is the seller’s equity. You take over the $440,237 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $264,895.80 is due at closing. Uses and sources reconcile at $705,132.83 each. Not a Closing Disclosure.