Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$150,791Cash toward the purchase price.
Closing costs + prepaids$18,418Not just lender fees.
Before credits & paid funds$169,209The complete starting cash picture.
Estimated remaining funds due at closing
$169,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,790.87
Your down payment$150,790.87
Closing costs + prepaids$18,418.11
Total buyer cash needed$169,208.98
Remaining funds due$169,208.98
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%)$7,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,746.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,037.50
Initial HOA (3 months)$249.00
Prepaid interest, first (27 days)$1,917.57
Fees + prepaids$18,418.11
Your down payment is the seller’s equity. You take over the $549,209 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $169,208.98 is due at closing. Uses and sources reconcile at $718,418.11 each. Not a Closing Disclosure.