Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$45,289Cash toward the purchase price.
Closing costs + prepaids$24,018Not just lender fees.
Before credits & paid funds$69,307The complete starting cash picture.
Estimated remaining funds due at closing
$69,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,288.73
Your down payment$45,288.73
Closing costs + prepaids$24,018.24
Total buyer cash needed$69,306.97
Remaining funds due$69,306.97
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%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,648.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,443.25
Prepaid interest, first (30 days)$3,958.43
Fees + prepaids$24,018.24
Your down payment is the seller’s equity. You take over the $729,711 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $69,306.97 is due at closing. Uses and sources reconcile at $799,018.24 each. Not a Closing Disclosure.