Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$191,341Cash toward the purchase price.
Closing costs + prepaids$17,962Not just lender fees.
Before credits & paid funds$209,303The complete starting cash picture.
Estimated remaining funds due at closing
$209,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,340.73
Your down payment$191,340.73
Closing costs + prepaids$17,962.21
Total buyer cash needed$209,302.94
Remaining funds due$209,302.94
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%)$2,493.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$507.75
Prepaid interest, first (27 days)$2,593.16
Fees + prepaids$17,962.21
Your down payment is the seller’s equity. You take over the $498,659 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $209,302.94 is due at closing. Uses and sources reconcile at $707,962.21 each. Not a Closing Disclosure.