Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$74,782Cash toward the purchase price.
Closing costs + prepaids$23,121Not just lender fees.
Before credits & paid funds$97,903The complete starting cash picture.
Estimated remaining funds due at closing
$97,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,782.17
Your down payment$74,782.17
Closing costs + prepaids$23,120.77
Total buyer cash needed$97,902.94
Remaining funds due$97,902.94
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%)$7,698.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,475.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,823.50
Initial HOA (3 months)$420.00
Prepaid interest, first (29 days)$3,484.86
Fees + prepaids$23,120.77
Your down payment is the seller’s equity. You take over the $695,106 balance, so the rest of the $769,888 price is paid at closing. A second mortgage can cover part of it. $97,902.94 is due at closing. Uses and sources reconcile at $793,008.77 each. Not a Closing Disclosure.