Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$70,910Cash toward the purchase price.
Closing costs + prepaids$17,549Not just lender fees.
Before credits & paid funds$88,459The complete starting cash picture.
Estimated remaining funds due at closing
$88,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,910.26
Your down payment$70,910.26
Closing costs + prepaids$17,549.19
Total buyer cash needed$88,459.45
Remaining funds due$88,459.45
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%)$6,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,045.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$816.00
Prepaid interest, first (12 days)$1,419.76
Fees + prepaids$17,549.19
Your down payment is the seller’s equity. You take over the $609,089 balance, so the rest of the $679,999 price is paid at closing. A second mortgage can cover part of it. $88,459.45 is due at closing. Uses and sources reconcile at $697,548.19 each. Not a Closing Disclosure.