Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$63,126Cash toward the purchase price.
Closing costs + prepaids$17,790Not just lender fees.
Before credits & paid funds$80,915The complete starting cash picture.
Estimated remaining funds due at closing
$80,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,125.55
Your down payment$63,125.55
Closing costs + prepaids$17,789.59
Total buyer cash needed$80,915.14
Remaining funds due$80,915.14
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%)$3,159.37
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)$339.00
Prepaid interest, first (9 days)$1,039.22
Fees + prepaids$17,789.59
Your down payment is the seller’s equity. You take over the $631,874 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $80,915.14 is due at closing. Uses and sources reconcile at $712,789.59 each. Not a Closing Disclosure.