Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$95,696Cash toward the purchase price.
Closing costs + prepaids$16,865Not just lender fees.
Before credits & paid funds$112,561The complete starting cash picture.
Estimated remaining funds due at closing
$112,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,696.35
Your down payment$95,696.35
Closing costs + prepaids$16,864.69
Total buyer cash needed$112,561.04
Remaining funds due$112,561.04
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%)$3,021.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,328.00
Prepaid interest, first (1 days)$48.67
Fees + prepaids$16,864.69
Your down payment is the seller’s equity. You take over the $604,204 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $112,561.04 is due at closing. Uses and sources reconcile at $716,764.69 each. Not a Closing Disclosure.