Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$86,528Cash toward the purchase price.
Closing costs + prepaids$18,925Not just lender fees.
Before credits & paid funds$105,453The complete starting cash picture.
Estimated remaining funds due at closing
$105,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,527.92
Your down payment$86,527.92
Closing costs + prepaids$18,925.38
Total buyer cash needed$105,453.30
Remaining funds due$105,453.30
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%)$3,062.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$838.75
Initial HOA (3 months)$603.00
Prepaid interest, first (18 days)$1,963.27
Fees + prepaids$18,925.38
Your down payment is the seller’s equity. You take over the $612,472 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $105,453.30 is due at closing. Uses and sources reconcile at $717,925.38 each. Not a Closing Disclosure.