Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$85,930Cash toward the purchase price.
Closing costs + prepaids$17,126Not just lender fees.
Before credits & paid funds$103,055The complete starting cash picture.
Estimated remaining funds due at closing
$103,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,929.90
Your down payment$85,929.90
Closing costs + prepaids$17,125.53
Total buyer cash needed$103,055.43
Remaining funds due$103,055.43
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%)$3,065.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$890.00
Initial HOA (3 months)$603.00
Prepaid interest, first (1 days)$109.18
Fees + prepaids$17,125.53
Your down payment is the seller’s equity. You take over the $613,070 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $103,055.43 is due at closing. Uses and sources reconcile at $716,125.53 each. Not a Closing Disclosure.