Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$262,762Cash toward the purchase price.
Closing costs + prepaids$16,366Not just lender fees.
Before credits & paid funds$279,128The complete starting cash picture.
Estimated remaining funds due at closing
$279,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,761.82
Your down payment$262,761.82
Closing costs + prepaids$16,366.05
Total buyer cash needed$279,127.87
Remaining funds due$279,127.87
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,185.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$939.25
Initial HOA (3 months)$84.99
Prepaid interest, first (21 days)$689.12
Fees + prepaids$16,366.05
Your down payment is the seller’s equity. You take over the $437,138 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $279,127.87 is due at closing. Uses and sources reconcile at $716,266.05 each. Not a Closing Disclosure.