Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$9,435Cash toward the purchase price.
Closing costs + prepaids$18,290Not just lender fees.
Before credits & paid funds$27,725The complete starting cash picture.
Estimated remaining funds due at closing
$27,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,434.95
Your down payment$9,434.95
Closing costs + prepaids$18,289.61
Total buyer cash needed$27,724.55
Remaining funds due$27,724.55
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%)$3,452.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,013.50
Initial HOA (3 months)$62.49
Prepaid interest, first (22 days)$1,294.29
Fees + prepaids$18,289.61
Your down payment is the seller’s equity. You take over the $690,465 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $27,724.55 is due at closing. Uses and sources reconcile at $718,189.61 each. Not a Closing Disclosure.