Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$210,770Cash toward the purchase price.
Closing costs + prepaids$16,246Not just lender fees.
Before credits & paid funds$227,016The complete starting cash picture.
Estimated remaining funds due at closing
$227,016No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,769.81
Your down payment$210,769.81
Closing costs + prepaids$16,246.34
Total buyer cash needed$227,016.15
Remaining funds due$227,016.15
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%)$2,445.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$840.00
Prepaid interest, first (12 days)$493.69
Fees + prepaids$16,246.34
Your down payment is the seller’s equity. You take over the $489,130 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $227,016.15 is due at closing. Uses and sources reconcile at $716,146.34 each. Not a Closing Disclosure.