Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$94,372Cash toward the purchase price.
Closing costs + prepaids$18,336Not just lender fees.
Before credits & paid funds$112,708The complete starting cash picture.
Estimated remaining funds due at closing
$112,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,372.03
Your down payment$94,372.03
Closing costs + prepaids$18,335.69
Total buyer cash needed$112,707.72
Remaining funds due$112,707.72
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%)$3,023.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$578.50
Prepaid interest, first (20 days)$2,276.05
Fees + prepaids$18,335.69
Your down payment is the seller’s equity. You take over the $604,628 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $112,707.72 is due at closing. Uses and sources reconcile at $717,335.69 each. Not a Closing Disclosure.