Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$144,216Cash toward the purchase price.
Closing costs + prepaids$17,991Not just lender fees.
Before credits & paid funds$162,208The complete starting cash picture.
Estimated remaining funds due at closing
$162,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,216.50
Your down payment$144,216.50
Closing costs + prepaids$17,991.46
Total buyer cash needed$162,207.95
Remaining funds due$162,207.95
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%)$6,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,728.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$442.25
Prepaid interest, first (25 days)$2,452.29
Fees + prepaids$17,991.46
Your down payment is the seller’s equity. You take over the $545,784 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $162,207.95 is due at closing. Uses and sources reconcile at $707,991.46 each. Not a Closing Disclosure.