Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$92,147Cash toward the purchase price.
Closing costs + prepaids$17,537Not just lender fees.
Before credits & paid funds$109,684The complete starting cash picture.
Estimated remaining funds due at closing
$109,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,147.15
Your down payment$92,147.15
Closing costs + prepaids$17,537.33
Total buyer cash needed$109,684.47
Remaining funds due$109,684.47
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%)$3,039.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (23 days)$2,030.06
Fees + prepaids$17,537.33
Your down payment is the seller’s equity. You take over the $607,853 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $109,684.47 is due at closing. Uses and sources reconcile at $717,537.33 each. Not a Closing Disclosure.