Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$95,612Cash toward the purchase price.
Closing costs + prepaids$16,965Not just lender fees.
Before credits & paid funds$112,577The complete starting cash picture.
Estimated remaining funds due at closing
$112,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,612.19
Your down payment$95,612.19
Closing costs + prepaids$16,965.20
Total buyer cash needed$112,577.38
Remaining funds due$112,577.38
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%)$6,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,966.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$826.75
Prepaid interest, first (12 days)$813.51
Fees + prepaids$16,965.20
Your down payment is the seller’s equity. You take over the $593,388 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $112,577.38 is due at closing. Uses and sources reconcile at $705,965.20 each. Not a Closing Disclosure.