Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$140,913Cash toward the purchase price.
Closing costs + prepaids$22,108Not just lender fees.
Before credits & paid funds$163,021The complete starting cash picture.
Estimated remaining funds due at closing
$163,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,913.42
Your down payment$140,913.42
Closing costs + prepaids$22,108.06
Total buyer cash needed$163,021.48
Remaining funds due$163,021.48
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%)$7,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,070.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,613.00
Initial HOA (3 months)$174.00
Prepaid interest, first (30 days)$3,482.63
Fees + prepaids$22,108.06
Your down payment is the seller’s equity. You take over the $614,087 balance, so the rest of the $755,000 price is paid at closing. A second mortgage can cover part of it. $163,021.48 is due at closing. Uses and sources reconcile at $777,108.06 each. Not a Closing Disclosure.