Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$118,181Cash toward the purchase price.
Closing costs + prepaids$18,041Not just lender fees.
Before credits & paid funds$136,222The complete starting cash picture.
Estimated remaining funds due at closing
$136,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,180.58
Your down payment$118,180.58
Closing costs + prepaids$18,040.99
Total buyer cash needed$136,221.58
Remaining funds due$136,221.58
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%)$2,904.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,090.75
Initial HOA (3 months)$1,542.00
Prepaid interest, first (1 days)$46.15
Fees + prepaids$18,040.99
Your down payment is the seller’s equity. You take over the $580,819 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $136,221.58 is due at closing. Uses and sources reconcile at $717,040.99 each. Not a Closing Disclosure.