Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$180,870Cash toward the purchase price.
Closing costs + prepaids$17,760Not just lender fees.
Before credits & paid funds$198,630The complete starting cash picture.
Estimated remaining funds due at closing
$198,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,870.10
Your down payment$180,870.10
Closing costs + prepaids$17,759.87
Total buyer cash needed$198,629.96
Remaining funds due$198,629.96
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,495.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$624.25
Prepaid interest, first (28 days)$2,373.47
Fees + prepaids$17,759.87
Your down payment is the seller’s equity. You take over the $499,030 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $198,629.96 is due at closing. Uses and sources reconcile at $697,659.87 each. Not a Closing Disclosure.