Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$91,817Cash toward the purchase price.
Closing costs + prepaids$20,080Not just lender fees.
Before credits & paid funds$111,897The complete starting cash picture.
Estimated remaining funds due at closing
$111,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,816.97
Your down payment$91,816.97
Closing costs + prepaids$20,080.40
Total buyer cash needed$111,897.37
Remaining funds due$111,897.37
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%)$6,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,985.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,035.25
Prepaid interest, first (26 days)$2,701.23
Fees + prepaids$20,080.40
Your down payment is the seller’s equity. You take over the $597,183 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $111,897.37 is due at closing. Uses and sources reconcile at $709,080.40 each. Not a Closing Disclosure.