Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$181,154Cash toward the purchase price.
Closing costs + prepaids$17,794Not just lender fees.
Before credits & paid funds$198,949The complete starting cash picture.
Estimated remaining funds due at closing
$198,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,154.30
Your down payment$181,154.30
Closing costs + prepaids$17,794.28
Total buyer cash needed$198,948.58
Remaining funds due$198,948.58
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%)$2,589.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,861.75
Prepaid interest, first (24 days)$885.30
Fees + prepaids$17,794.28
Your down payment is the seller’s equity. You take over the $517,846 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $198,948.58 is due at closing. Uses and sources reconcile at $716,794.28 each. Not a Closing Disclosure.