Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$102,413Cash toward the purchase price.
Closing costs + prepaids$18,805Not just lender fees.
Before credits & paid funds$121,219The complete starting cash picture.
Estimated remaining funds due at closing
$121,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,413.49
Your down payment$102,413.49
Closing costs + prepaids$18,805.37
Total buyer cash needed$121,218.87
Remaining funds due$121,218.87
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%)$2,982.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$531.25
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$2,758.19
Fees + prepaids$18,805.37
Your down payment is the seller’s equity. You take over the $596,587 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $121,218.87 is due at closing. Uses and sources reconcile at $717,805.37 each. Not a Closing Disclosure.