Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$111,695Cash toward the purchase price.
Closing costs + prepaids$19,879Not just lender fees.
Before credits & paid funds$131,574The complete starting cash picture.
Estimated remaining funds due at closing
$131,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,694.69
Your down payment$111,694.69
Closing costs + prepaids$19,878.84
Total buyer cash needed$131,573.54
Remaining funds due$131,573.54
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,866.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,712.50
Prepaid interest, first (28 days)$2,981.82
Fees + prepaids$19,878.84
Your down payment is the seller’s equity. You take over the $573,305 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $131,573.54 is due at closing. Uses and sources reconcile at $704,878.84 each. Not a Closing Disclosure.