Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$178,330Cash toward the purchase price.
Closing costs + prepaids$19,325Not just lender fees.
Before credits & paid funds$197,654The complete starting cash picture.
Estimated remaining funds due at closing
$197,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,329.69
Your down payment$178,329.69
Closing costs + prepaids$19,324.71
Total buyer cash needed$197,654.40
Remaining funds due$197,654.40
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%)$2,607.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,749.75
Prepaid interest, first (24 days)$2,500.11
Fees + prepaids$19,324.71
Your down payment is the seller’s equity. You take over the $521,570 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $197,654.40 is due at closing. Uses and sources reconcile at $719,224.71 each. Not a Closing Disclosure.