Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$99,010Cash toward the purchase price.
Closing costs + prepaids$19,655Not just lender fees.
Before credits & paid funds$118,666The complete starting cash picture.
Estimated remaining funds due at closing
$118,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,010.47
Your down payment$99,010.47
Closing costs + prepaids$19,655.38
Total buyer cash needed$118,665.85
Remaining funds due$118,665.85
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%)$2,999.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,747.50
Prepaid interest, first (27 days)$2,449.93
Fees + prepaids$19,655.38
Your down payment is the seller’s equity. You take over the $599,990 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $118,665.85 is due at closing. Uses and sources reconcile at $718,655.38 each. Not a Closing Disclosure.