Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$270,957Cash toward the purchase price.
Closing costs + prepaids$16,038Not just lender fees.
Before credits & paid funds$286,996The complete starting cash picture.
Estimated remaining funds due at closing
$286,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,957.24
Your down payment$270,957.24
Closing costs + prepaids$16,038.46
Total buyer cash needed$286,995.70
Remaining funds due$286,995.70
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%)$2,144.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$875.00
Prepaid interest, first (15 days)$551.75
Fees + prepaids$16,038.46
Your down payment is the seller’s equity. You take over the $428,943 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $286,995.70 is due at closing. Uses and sources reconcile at $715,938.46 each. Not a Closing Disclosure.