Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$27,587Cash toward the purchase price.
Closing costs + prepaids$19,425Not just lender fees.
Before credits & paid funds$47,012The complete starting cash picture.
Estimated remaining funds due at closing
$47,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,586.96
Your down payment$27,586.96
Closing costs + prepaids$19,425.05
Total buyer cash needed$47,012.01
Remaining funds due$47,012.01
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%)$3,357.07
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)$1,862.48
Fees + prepaids$19,425.05
Your down payment is the seller’s equity. You take over the $671,413 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $47,012.01 is due at closing. Uses and sources reconcile at $718,425.05 each. Not a Closing Disclosure.