Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$52,763Cash toward the purchase price.
Closing costs + prepaids$18,555Not just lender fees.
Before credits & paid funds$71,318The complete starting cash picture.
Estimated remaining funds due at closing
$71,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,762.98
Your down payment$52,762.98
Closing costs + prepaids$18,554.91
Total buyer cash needed$71,317.89
Remaining funds due$71,317.89
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,235.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$875.00
Prepaid interest, first (17 days)$1,977.23
Fees + prepaids$18,554.91
Your down payment is the seller’s equity. You take over the $647,137 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $71,317.89 is due at closing. Uses and sources reconcile at $718,454.91 each. Not a Closing Disclosure.