Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,981Cash toward the purchase price.
Closing costs + prepaids$21,756Not just lender fees.
Before credits & paid funds$45,737The complete starting cash picture.
Estimated remaining funds due at closing
$45,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,980.97
Your down payment$23,980.97
Closing costs + prepaids$21,756.44
Total buyer cash needed$45,737.41
Remaining funds due$45,737.41
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%)$3,375.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,747.50
Initial HOA (3 months)$810.00
Prepaid interest, first (28 days)$3,365.85
Fees + prepaids$21,756.44
Your down payment is the seller’s equity. You take over the $675,019 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $45,737.41 is due at closing. Uses and sources reconcile at $720,756.44 each. Not a Closing Disclosure.