Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$93,877Cash toward the purchase price.
Closing costs + prepaids$18,916Not just lender fees.
Before credits & paid funds$112,794The complete starting cash picture.
Estimated remaining funds due at closing
$112,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,877.08
Your down payment$93,877.08
Closing costs + prepaids$18,916.44
Total buyer cash needed$112,793.52
Remaining funds due$112,793.52
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%)$3,025.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$415.50
Prepaid interest, first (28 days)$3,017.33
Fees + prepaids$18,916.44
Your down payment is the seller’s equity. You take over the $605,123 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $112,793.52 is due at closing. Uses and sources reconcile at $717,916.44 each. Not a Closing Disclosure.