Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$86,528Cash toward the purchase price.
Closing costs + prepaids$20,395Not just lender fees.
Before credits & paid funds$106,922The complete starting cash picture.
Estimated remaining funds due at closing
$106,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,527.92
Your down payment$86,527.92
Closing costs + prepaids$20,394.54
Total buyer cash needed$106,922.47
Remaining funds due$106,922.47
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%)$6,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,062.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$890.00
Initial HOA (3 months)$603.00
Prepaid interest, first (31 days)$3,381.18
Fees + prepaids$20,394.54
Your down payment is the seller’s equity. You take over the $612,472 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $106,922.47 is due at closing. Uses and sources reconcile at $719,394.54 each. Not a Closing Disclosure.