Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$99,137Cash toward the purchase price.
Closing costs + prepaids$17,903Not just lender fees.
Before credits & paid funds$117,040The complete starting cash picture.
Estimated remaining funds due at closing
$117,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,136.83
Your down payment$99,136.83
Closing costs + prepaids$17,902.99
Total buyer cash needed$117,039.82
Remaining funds due$117,039.82
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%)$6,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,904.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$868.75
Prepaid interest, first (18 days)$1,861.94
Fees + prepaids$17,902.99
Your down payment is the seller’s equity. You take over the $580,862 balance, so the rest of the $679,999 price is paid at closing. A second mortgage can cover part of it. $117,039.82 is due at closing. Uses and sources reconcile at $697,901.99 each. Not a Closing Disclosure.