Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,816Cash toward the purchase price.
Closing costs + prepaids$16,380Not just lender fees.
Before credits & paid funds$45,196The complete starting cash picture.
Estimated remaining funds due at closing
$45,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,816.49
Your down payment$28,816.49
Closing costs + prepaids$16,379.59
Total buyer cash needed$45,196.08
Remaining funds due$45,196.08
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%)$3,350.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$511.00
Prepaid interest, first (1 days)$59.67
Fees + prepaids$16,379.59
Your down payment is the seller’s equity. You take over the $670,184 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $45,196.08 is due at closing. Uses and sources reconcile at $715,379.59 each. Not a Closing Disclosure.