Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$103,627Cash toward the purchase price.
Closing costs + prepaids$17,653Not just lender fees.
Before credits & paid funds$121,280The complete starting cash picture.
Estimated remaining funds due at closing
$121,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,626.83
Your down payment$103,626.83
Closing costs + prepaids$17,653.46
Total buyer cash needed$121,280.29
Remaining funds due$121,280.29
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%)$6,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,976.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$753.00
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$1,365.61
Fees + prepaids$17,653.46
Your down payment is the seller’s equity. You take over the $595,373 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $121,280.29 is due at closing. Uses and sources reconcile at $716,653.46 each. Not a Closing Disclosure.