Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$57,508Cash toward the purchase price.
Closing costs + prepaids$20,224Not just lender fees.
Before credits & paid funds$77,732The complete starting cash picture.
Estimated remaining funds due at closing
$77,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,507.68
Your down payment$57,507.68
Closing costs + prepaids$20,224.39
Total buyer cash needed$77,732.07
Remaining funds due$77,732.07
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%)$3,211.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,574.25
Prepaid interest, first (25 days)$1,971.18
Fees + prepaids$20,224.39
Your down payment is the seller’s equity. You take over the $642,392 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $77,732.07 is due at closing. Uses and sources reconcile at $720,124.39 each. Not a Closing Disclosure.