Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$200,572Cash toward the purchase price.
Closing costs + prepaids$16,797Not just lender fees.
Before credits & paid funds$217,369The complete starting cash picture.
Estimated remaining funds due at closing
$217,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,571.92
Your down payment$200,571.92
Closing costs + prepaids$16,796.75
Total buyer cash needed$217,368.67
Remaining funds due$217,368.67
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%)$2,447.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$906.75
Prepaid interest, first (24 days)$1,074.86
Fees + prepaids$16,796.75
Your down payment is the seller’s equity. You take over the $489,428 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $217,368.67 is due at closing. Uses and sources reconcile at $706,796.75 each. Not a Closing Disclosure.