Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$144,603Cash toward the purchase price.
Closing costs + prepaids$17,876Not just lender fees.
Before credits & paid funds$162,479The complete starting cash picture.
Estimated remaining funds due at closing
$162,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,602.85
Your down payment$144,602.85
Closing costs + prepaids$17,875.72
Total buyer cash needed$162,478.57
Remaining funds due$162,478.57
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%)$6,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,726.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$442.25
Prepaid interest, first (25 days)$2,338.48
Fees + prepaids$17,875.72
Your down payment is the seller’s equity. You take over the $545,397 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $162,478.57 is due at closing. Uses and sources reconcile at $707,875.72 each. Not a Closing Disclosure.