Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$160,819Cash toward the purchase price.
Closing costs + prepaids$17,002Not just lender fees.
Before credits & paid funds$177,820The complete starting cash picture.
Estimated remaining funds due at closing
$177,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,818.68
Your down payment$160,818.68
Closing costs + prepaids$17,001.74
Total buyer cash needed$177,820.42
Remaining funds due$177,820.42
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%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,695.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$840.00
Initial HOA (3 months)$60.00
Prepaid interest, first (12 days)$939.33
Fees + prepaids$17,001.74
Your down payment is the seller’s equity. You take over the $539,081 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $177,820.42 is due at closing. Uses and sources reconcile at $716,901.74 each. Not a Closing Disclosure.