Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$106,224Cash toward the purchase price.
Closing costs + prepaids$19,768Not just lender fees.
Before credits & paid funds$125,992The complete starting cash picture.
Estimated remaining funds due at closing
$125,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,223.83
Your down payment$106,223.83
Closing costs + prepaids$19,768.17
Total buyer cash needed$125,992.00
Remaining funds due$125,992.00
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,868.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,699.75
Initial HOA (3 months)$768.00
Prepaid interest, first (25 days)$2,165.04
Fees + prepaids$19,768.17
Your down payment is the seller’s equity. You take over the $573,676 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $125,992.00 is due at closing. Uses and sources reconcile at $699,668.17 each. Not a Closing Disclosure.