Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,607Cash toward the purchase price.
Closing costs + prepaids$16,792Not just lender fees.
Before credits & paid funds$84,399The complete starting cash picture.
Estimated remaining funds due at closing
$84,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,606.67
Your down payment$67,606.67
Closing costs + prepaids$16,792.20
Total buyer cash needed$84,398.87
Remaining funds due$84,398.87
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%)$7,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,161.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.75
Initial HOA (3 months)$261.00
Prepaid interest, first (2 days)$240.48
Fees + prepaids$16,792.20
Your down payment is the seller’s equity. You take over the $632,393 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $84,398.87 is due at closing. Uses and sources reconcile at $716,792.20 each. Not a Closing Disclosure.