Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$441,450Cash toward the purchase price.
Closing costs + prepaids$15,433Not just lender fees.
Before credits & paid funds$456,883The complete starting cash picture.
Estimated remaining funds due at closing
$456,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,450.28
Your down payment$441,450.28
Closing costs + prepaids$15,432.82
Total buyer cash needed$456,883.10
Remaining funds due$456,883.10
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%)$1,267.75
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 (31 days)$857.07
Fees + prepaids$15,432.82
Your down payment is the seller’s equity. You take over the $253,550 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $456,883.10 is due at closing. Uses and sources reconcile at $710,432.82 each. Not a Closing Disclosure.