Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$56,282Cash toward the purchase price.
Closing costs + prepaids$19,257Not just lender fees.
Before credits & paid funds$75,539The complete starting cash picture.
Estimated remaining funds due at closing
$75,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,281.64
Your down payment$56,281.64
Closing costs + prepaids$19,256.88
Total buyer cash needed$75,538.52
Remaining funds due$75,538.52
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%)$6,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,211.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$419.00
Prepaid interest, first (29 days)$3,173.79
Fees + prepaids$19,256.88
Your down payment is the seller’s equity. You take over the $642,218 balance, so the rest of the $698,500 price is paid at closing. A second mortgage can cover part of it. $75,538.52 is due at closing. Uses and sources reconcile at $717,756.88 each. Not a Closing Disclosure.