Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$204,137Cash toward the purchase price.
Closing costs + prepaids$18,511Not just lender fees.
Before credits & paid funds$222,648The complete starting cash picture.
Estimated remaining funds due at closing
$222,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,137.01
Your down payment$204,137.01
Closing costs + prepaids$18,511.27
Total buyer cash needed$222,648.29
Remaining funds due$222,648.29
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,478.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,749.75
Initial HOA (3 months)$687.00
Prepaid interest, first (30 days)$1,128.71
Fees + prepaids$18,511.27
Your down payment is the seller’s equity. You take over the $495,763 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $222,648.29 is due at closing. Uses and sources reconcile at $718,411.27 each. Not a Closing Disclosure.