Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$113,828Cash toward the purchase price.
Closing costs + prepaids$18,182Not just lender fees.
Before credits & paid funds$132,010The complete starting cash picture.
Estimated remaining funds due at closing
$132,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,827.84
Your down payment$113,827.84
Closing costs + prepaids$18,181.78
Total buyer cash needed$132,009.62
Remaining funds due$132,009.62
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,930.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$66.00
Initial HOA (3 months)$360.00
Prepaid interest, first (24 days)$2,358.42
Fees + prepaids$18,181.78
Your down payment is the seller’s equity. You take over the $586,072 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $132,009.62 is due at closing. Uses and sources reconcile at $718,081.78 each. Not a Closing Disclosure.