Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$99,099Cash toward the purchase price.
Closing costs + prepaids$20,465Not just lender fees.
Before credits & paid funds$119,564The complete starting cash picture.
Estimated remaining funds due at closing
$119,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,098.97
Your down payment$99,098.97
Closing costs + prepaids$20,465.32
Total buyer cash needed$119,564.29
Remaining funds due$119,564.29
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%)$7,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,099.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,797.50
Prepaid interest, first (24 days)$2,160.31
Fees + prepaids$20,465.32
Your down payment is the seller’s equity. You take over the $619,901 balance, so the rest of the $719,000 price is paid at closing. A second mortgage can cover part of it. $119,564.29 is due at closing. Uses and sources reconcile at $739,465.32 each. Not a Closing Disclosure.