Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$83,735Cash toward the purchase price.
Closing costs + prepaids$17,208Not just lender fees.
Before credits & paid funds$100,944The complete starting cash picture.
Estimated remaining funds due at closing
$100,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,735.39
Your down payment$83,735.39
Closing costs + prepaids$17,208.34
Total buyer cash needed$100,943.73
Remaining funds due$100,943.73
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%)$6,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,056.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$834.00
Initial HOA (3 months)$270.00
Prepaid interest, first (6 days)$630.02
Fees + prepaids$17,208.34
Your down payment is the seller’s equity. You take over the $611,265 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $100,943.73 is due at closing. Uses and sources reconcile at $712,208.34 each. Not a Closing Disclosure.