Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$13,358Cash toward the purchase price.
Closing costs + prepaids$17,964Not just lender fees.
Before credits & paid funds$31,322The complete starting cash picture.
Estimated remaining funds due at closing
$31,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,358.36
Your down payment$13,358.36
Closing costs + prepaids$17,963.83
Total buyer cash needed$31,322.18
Remaining funds due$31,322.18
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%)$6,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,433.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$840.00
Prepaid interest, first (10 days)$1,222.77
Fees + prepaids$17,963.83
Your down payment is the seller’s equity. You take over the $686,632 balance, so the rest of the $699,990 price is paid at closing. A second mortgage can cover part of it. $31,322.18 is due at closing. Uses and sources reconcile at $717,953.83 each. Not a Closing Disclosure.