Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,561Cash toward the purchase price.
Closing costs + prepaids$20,122Not just lender fees.
Before credits & paid funds$55,682The complete starting cash picture.
Estimated remaining funds due at closing
$55,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,560.78
Your down payment$35,560.78
Closing costs + prepaids$20,121.69
Total buyer cash needed$55,682.47
Remaining funds due$55,682.47
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%)$6,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,322.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,035.75
Initial HOA (3 months)$255.00
Prepaid interest, first (24 days)$3,040.76
Fees + prepaids$20,121.69
Your down payment is the seller’s equity. You take over the $664,438 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $55,682.47 is due at closing. Uses and sources reconcile at $720,120.69 each. Not a Closing Disclosure.