Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$699,109Cash toward the purchase price.
Closing costs + prepaids$16,949Not just lender fees.
Before credits & paid funds$716,057The complete starting cash picture.
Estimated remaining funds due at closing
$716,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$699,108.57
Your down payment$699,108.57
Closing costs + prepaids$16,948.92
Total buyer cash needed$716,057.49
Remaining funds due$716,057.49
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%)$8,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$849.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,042.75
Prepaid interest, first (9 days)$148.71
Fees + prepaids$16,948.92
Your down payment is the seller’s equity. You take over the $169,891 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $716,057.49 is due at closing. Uses and sources reconcile at $885,948.92 each. Not a Closing Disclosure.