Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$167,926Cash toward the purchase price.
Closing costs + prepaids$21,003Not just lender fees.
Before credits & paid funds$188,929The complete starting cash picture.
Estimated remaining funds due at closing
$188,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,925.55
Your down payment$167,925.55
Closing costs + prepaids$21,003.03
Total buyer cash needed$188,928.57
Remaining funds due$188,928.57
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,659.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,749.75
Initial HOA (3 months)$2,427.00
Prepaid interest, first (22 days)$1,699.40
Fees + prepaids$21,003.03
Your down payment is the seller’s equity. You take over the $531,974 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $188,928.57 is due at closing. Uses and sources reconcile at $720,903.03 each. Not a Closing Disclosure.