Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$93,767Cash toward the purchase price.
Closing costs + prepaids$16,177Not just lender fees.
Before credits & paid funds$109,944The complete starting cash picture.
Estimated remaining funds due at closing
$109,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,767.41
Your down payment$93,767.41
Closing costs + prepaids$16,176.58
Total buyer cash needed$109,943.99
Remaining funds due$109,943.99
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%)$3,026.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$578.50
Prepaid interest, first (1 days)$113.92
Fees + prepaids$16,176.58
Your down payment is the seller’s equity. You take over the $605,233 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $109,943.99 is due at closing. Uses and sources reconcile at $715,176.58 each. Not a Closing Disclosure.