Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$100,869Cash toward the purchase price.
Closing costs + prepaids$20,249Not just lender fees.
Before credits & paid funds$121,118The complete starting cash picture.
Estimated remaining funds due at closing
$121,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,868.92
Your down payment$100,868.92
Closing costs + prepaids$20,248.71
Total buyer cash needed$121,117.62
Remaining funds due$121,117.62
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%)$6,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,993.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,748.75
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$2,788.80
Fees + prepaids$20,248.71
Your down payment is the seller’s equity. You take over the $598,631 balance, so the rest of the $699,500 price is paid at closing. A second mortgage can cover part of it. $121,117.62 is due at closing. Uses and sources reconcile at $719,748.71 each. Not a Closing Disclosure.