Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$106,615Cash toward the purchase price.
Closing costs + prepaids$18,013Not just lender fees.
Before credits & paid funds$124,628The complete starting cash picture.
Estimated remaining funds due at closing
$124,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,615.06
Your down payment$106,615.06
Closing costs + prepaids$18,013.24
Total buyer cash needed$124,628.30
Remaining funds due$124,628.30
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,216.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$938.75
Initial HOA (3 months)$24.99
Prepaid interest, first (2 days)$114.58
Fees + prepaids$18,013.24
Your down payment is the seller’s equity. You take over the $643,385 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $124,628.30 is due at closing. Uses and sources reconcile at $768,013.24 each. Not a Closing Disclosure.