Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$478,103Cash toward the purchase price.
Closing costs + prepaids$14,027Not just lender fees.
Before credits & paid funds$492,130The complete starting cash picture.
Estimated remaining funds due at closing
$492,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$478,102.50
Your down payment$478,102.50
Closing costs + prepaids$14,027.07
Total buyer cash needed$492,129.57
Remaining funds due$492,129.57
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%)$1,059.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$580.25
Prepaid interest, first (1 days)$19.33
Fees + prepaids$14,027.07
Your down payment is the seller’s equity. You take over the $211,897 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $492,129.57 is due at closing. Uses and sources reconcile at $704,027.07 each. Not a Closing Disclosure.