Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$45,889Cash toward the purchase price.
Closing costs + prepaids$21,118Not just lender fees.
Before credits & paid funds$67,007The complete starting cash picture.
Estimated remaining funds due at closing
$67,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,888.79
Your down payment$45,888.79
Closing costs + prepaids$21,118.30
Total buyer cash needed$67,007.09
Remaining funds due$67,007.09
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%)$3,515.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,872.50
Initial HOA (3 months)$1,830.00
Prepaid interest, first (2 days)$192.25
Fees + prepaids$21,118.30
Your down payment is the seller’s equity. You take over the $703,111 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $67,007.09 is due at closing. Uses and sources reconcile at $770,118.30 each. Not a Closing Disclosure.