Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$9,084Cash toward the purchase price.
Closing costs + prepaids$21,114Not just lender fees.
Before credits & paid funds$30,198The complete starting cash picture.
Estimated remaining funds due at closing
$30,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,084.14
Your down payment$9,084.14
Closing costs + prepaids$21,113.95
Total buyer cash needed$30,198.09
Remaining funds due$30,198.09
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%)$6,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,349.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,697.50
Initial HOA (3 months)$855.00
Prepaid interest, first (26 days)$2,953.87
Fees + prepaids$21,113.95
Your down payment is the seller’s equity. You take over the $669,916 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $30,198.09 is due at closing. Uses and sources reconcile at $700,113.95 each. Not a Closing Disclosure.