Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$444,628Cash toward the purchase price.
Closing costs + prepaids$14,797Not just lender fees.
Before credits & paid funds$459,425The complete starting cash picture.
Estimated remaining funds due at closing
$459,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$444,627.91
Your down payment$444,627.91
Closing costs + prepaids$14,797.12
Total buyer cash needed$459,425.03
Remaining funds due$459,425.03
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%)$1,226.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$802.25
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$25.01
Fees + prepaids$14,797.12
Your down payment is the seller’s equity. You take over the $245,372 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $459,425.03 is due at closing. Uses and sources reconcile at $704,797.12 each. Not a Closing Disclosure.