Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$210,770Cash toward the purchase price.
Closing costs + prepaids$15,999Not just lender fees.
Before credits & paid funds$226,769The complete starting cash picture.
Estimated remaining funds due at closing
$226,769No 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$15,999.49
Total buyer cash needed$226,769.31
Remaining funds due$226,769.31
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 (6 days)$246.84
Fees + prepaids$15,999.49
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. $226,769.31 is due at closing. Uses and sources reconcile at $715,899.49 each. Not a Closing Disclosure.