Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$160,388Cash toward the purchase price.
Closing costs + prepaids$16,981Not just lender fees.
Before credits & paid funds$177,369The complete starting cash picture.
Estimated remaining funds due at closing
$177,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,387.74
Your down payment$160,387.74
Closing costs + prepaids$16,981.45
Total buyer cash needed$177,369.18
Remaining funds due$177,369.18
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%)$2,693.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$838.75
Prepaid interest, first (10 days)$991.64
Fees + prepaids$16,981.45
Your down payment is the seller’s equity. You take over the $538,612 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $177,369.18 is due at closing. Uses and sources reconcile at $715,981.45 each. Not a Closing Disclosure.