Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$49,465Cash toward the purchase price.
Closing costs + prepaids$20,627Not just lender fees.
Before credits & paid funds$70,092The complete starting cash picture.
Estimated remaining funds due at closing
$70,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,465.39
Your down payment$49,465.39
Closing costs + prepaids$20,626.78
Total buyer cash needed$70,092.17
Remaining funds due$70,092.17
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%)$7,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,347.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$129.50
Initial HOA (3 months)$453.00
Prepaid interest, first (27 days)$3,288.61
Fees + prepaids$20,626.78
Your down payment is the seller’s equity. You take over the $669,535 balance, so the rest of the $719,000 price is paid at closing. A second mortgage can cover part of it. $70,092.17 is due at closing. Uses and sources reconcile at $739,626.78 each. Not a Closing Disclosure.