Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$98,573Cash toward the purchase price.
Closing costs + prepaids$16,147Not just lender fees.
Before credits & paid funds$114,721The complete starting cash picture.
Estimated remaining funds due at closing
$114,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,573.28
Your down payment$98,573.28
Closing costs + prepaids$16,147.41
Total buyer cash needed$114,720.69
Remaining funds due$114,720.69
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%)$6,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,907.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$868.75
Prepaid interest, first (1 days)$103.54
Fees + prepaids$16,147.41
Your down payment is the seller’s equity. You take over the $581,426 balance, so the rest of the $679,999 price is paid at closing. A second mortgage can cover part of it. $114,720.69 is due at closing. Uses and sources reconcile at $696,146.41 each. Not a Closing Disclosure.