Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$151,680Cash toward the purchase price.
Closing costs + prepaids$17,979Not just lender fees.
Before credits & paid funds$169,659The complete starting cash picture.
Estimated remaining funds due at closing
$169,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,680.00
Your down payment$151,680.00
Closing costs + prepaids$17,979.23
Total buyer cash needed$169,659.23
Remaining funds due$169,659.23
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%)$6,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,691.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,725.00
Prepaid interest, first (27 days)$1,194.63
Fees + prepaids$17,979.23
Your down payment is the seller’s equity. You take over the $538,320 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $169,659.23 is due at closing. Uses and sources reconcile at $707,979.23 each. Not a Closing Disclosure.