Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$13,272Cash toward the purchase price.
Closing costs + prepaids$20,913Not just lender fees.
Before credits & paid funds$34,186The complete starting cash picture.
Estimated remaining funds due at closing
$34,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,272.44
Your down payment$13,272.44
Closing costs + prepaids$20,913.49
Total buyer cash needed$34,185.93
Remaining funds due$34,185.93
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%)$3,433.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,616.00
Initial HOA (3 months)$585.00
Prepaid interest, first (23 days)$2,812.35
Fees + prepaids$20,913.49
Your down payment is the seller’s equity. You take over the $686,628 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $34,185.93 is due at closing. Uses and sources reconcile at $720,813.49 each. Not a Closing Disclosure.