Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$93,581Cash toward the purchase price.
Closing costs + prepaids$21,565Not just lender fees.
Before credits & paid funds$115,145The complete starting cash picture.
Estimated remaining funds due at closing
$115,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,580.73
Your down payment$93,580.73
Closing costs + prepaids$21,564.51
Total buyer cash needed$115,145.25
Remaining funds due$115,145.25
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,277.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,773.25
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$2,626.17
Fees + prepaids$21,564.51
Your down payment is the seller’s equity. You take over the $655,419 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $115,145.25 is due at closing. Uses and sources reconcile at $770,564.51 each. Not a Closing Disclosure.