Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$104,396Cash toward the purchase price.
Closing costs + prepaids$17,718Not just lender fees.
Before credits & paid funds$122,114The complete starting cash picture.
Estimated remaining funds due at closing
$122,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,395.96
Your down payment$104,395.96
Closing costs + prepaids$17,717.68
Total buyer cash needed$122,113.64
Remaining funds due$122,113.64
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,028.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$852.00
Prepaid interest, first (6 days)$519.66
Fees + prepaids$17,717.68
Your down payment is the seller’s equity. You take over the $605,604 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $122,113.64 is due at closing. Uses and sources reconcile at $727,717.68 each. Not a Closing Disclosure.