Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,841Cash toward the purchase price.
Closing costs + prepaids$19,597Not just lender fees.
Before credits & paid funds$43,438The complete starting cash picture.
Estimated remaining funds due at closing
$43,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,840.56
Your down payment$23,840.56
Closing costs + prepaids$19,597.25
Total buyer cash needed$43,437.81
Remaining funds due$43,437.81
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%)$6,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,365.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$556.75
Prepaid interest, first (27 days)$3,236.70
Fees + prepaids$19,597.25
Your down payment is the seller’s equity. You take over the $673,159 balance, so the rest of the $697,000 price is paid at closing. A second mortgage can cover part of it. $43,437.81 is due at closing. Uses and sources reconcile at $716,597.25 each. Not a Closing Disclosure.