Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$103,436Cash toward the purchase price.
Closing costs + prepaids$19,123Not just lender fees.
Before credits & paid funds$122,560The complete starting cash picture.
Estimated remaining funds due at closing
$122,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,436.07
Your down payment$103,436.07
Closing costs + prepaids$19,123.46
Total buyer cash needed$122,559.53
Remaining funds due$122,559.53
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%)$6,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,882.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,700.00
Initial HOA (3 months)$185.01
Prepaid interest, first (28 days)$2,087.64
Fees + prepaids$19,123.46
Your down payment is the seller’s equity. You take over the $576,564 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $122,559.53 is due at closing. Uses and sources reconcile at $699,123.46 each. Not a Closing Disclosure.