Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,657Cash toward the purchase price.
Closing costs + prepaids$16,838Not just lender fees.
Before credits & paid funds$29,495The complete starting cash picture.
Estimated remaining funds due at closing
$29,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,657.19
Your down payment$12,657.19
Closing costs + prepaids$16,837.97
Total buyer cash needed$29,495.15
Remaining funds due$29,495.15
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%)$3,436.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$811.00
Prepaid interest, first (1 days)$122.40
Fees + prepaids$16,837.97
Your down payment is the seller’s equity. You take over the $687,333 balance, so the rest of the $699,990 price is paid at closing. A second mortgage can cover part of it. $29,495.15 is due at closing. Uses and sources reconcile at $716,827.97 each. Not a Closing Disclosure.