Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$156,611Cash toward the purchase price.
Closing costs + prepaids$17,544Not just lender fees.
Before credits & paid funds$174,155The complete starting cash picture.
Estimated remaining funds due at closing
$174,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,611.19
Your down payment$156,611.19
Closing costs + prepaids$17,543.76
Total buyer cash needed$174,154.95
Remaining funds due$174,154.95
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%)$6,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,666.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,539.00
Prepaid interest, first (24 days)$971.32
Fees + prepaids$17,543.76
Your down payment is the seller’s equity. You take over the $533,289 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $174,154.95 is due at closing. Uses and sources reconcile at $707,443.76 each. Not a Closing Disclosure.