Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$102,759Cash toward the purchase price.
Closing costs + prepaids$18,947Not just lender fees.
Before credits & paid funds$121,706The complete starting cash picture.
Estimated remaining funds due at closing
$121,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,759.37
Your down payment$102,759.37
Closing costs + prepaids$18,947.13
Total buyer cash needed$121,706.50
Remaining funds due$121,706.50
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%)$6,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,961.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,737.50
Prepaid interest, first (29 days)$1,830.43
Fees + prepaids$18,947.13
Your down payment is the seller’s equity. You take over the $592,241 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $121,706.50 is due at closing. Uses and sources reconcile at $713,947.13 each. Not a Closing Disclosure.