Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$69,429Cash toward the purchase price.
Closing costs + prepaids$21,563Not just lender fees.
Before credits & paid funds$90,992The complete starting cash picture.
Estimated remaining funds due at closing
$90,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,428.74
Your down payment$69,428.74
Closing costs + prepaids$21,563.14
Total buyer cash needed$90,991.88
Remaining funds due$90,991.88
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%)$6,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,147.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,747.50
Initial HOA (3 months)$1,143.00
Prepaid interest, first (28 days)$3,066.79
Fees + prepaids$21,563.14
Your down payment is the seller’s equity. You take over the $629,571 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $90,991.88 is due at closing. Uses and sources reconcile at $720,563.14 each. Not a Closing Disclosure.