Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$68,248Cash toward the purchase price.
Closing costs + prepaids$18,831Not just lender fees.
Before credits & paid funds$87,078The complete starting cash picture.
Estimated remaining funds due at closing
$87,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,247.63
Your down payment$68,247.63
Closing costs + prepaids$18,830.78
Total buyer cash needed$87,078.42
Remaining funds due$87,078.42
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%)$7,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,158.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.75
Initial HOA (3 months)$261.00
Prepaid interest, first (19 days)$2,282.27
Fees + prepaids$18,830.78
Your down payment is the seller’s equity. You take over the $631,752 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $87,078.42 is due at closing. Uses and sources reconcile at $718,830.78 each. Not a Closing Disclosure.