Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$85,871Cash toward the purchase price.
Closing costs + prepaids$18,971Not just lender fees.
Before credits & paid funds$104,842The complete starting cash picture.
Estimated remaining funds due at closing
$104,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,870.82
Your down payment$85,870.82
Closing costs + prepaids$18,970.97
Total buyer cash needed$104,841.79
Remaining funds due$104,841.79
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%)$7,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,095.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$840.75
Initial HOA (3 months)$357.00
Prepaid interest, first (30 days)$1,409.58
Fees + prepaids$18,970.97
Your down payment is the seller’s equity. You take over the $619,129 balance, so the rest of the $705,000 price is paid at closing. A second mortgage can cover part of it. $104,841.79 is due at closing. Uses and sources reconcile at $723,970.97 each. Not a Closing Disclosure.