Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$49,777Cash toward the purchase price.
Closing costs + prepaids$19,891Not just lender fees.
Before credits & paid funds$69,668The complete starting cash picture.
Estimated remaining funds due at closing
$69,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,776.59
Your down payment$49,776.59
Closing costs + prepaids$19,891.41
Total buyer cash needed$69,668.00
Remaining funds due$69,668.00
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%)$6,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,151.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,700.00
Prepaid interest, first (24 days)$2,772.29
Fees + prepaids$19,891.41
Your down payment is the seller’s equity. You take over the $630,223 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $69,668.00 is due at closing. Uses and sources reconcile at $699,891.41 each. Not a Closing Disclosure.