Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,759Cash toward the purchase price.
Closing costs + prepaids$19,458Not just lender fees.
Before credits & paid funds$105,218The complete starting cash picture.
Estimated remaining funds due at closing
$105,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,759.40
Your down payment$85,759.40
Closing costs + prepaids$19,458.20
Total buyer cash needed$105,217.60
Remaining funds due$105,217.60
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%)$3,066.20
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)$2,186.50
Fees + prepaids$19,458.20
Your down payment is the seller’s equity. You take over the $613,241 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $105,217.60 is due at closing. Uses and sources reconcile at $718,458.20 each. Not a Closing Disclosure.