Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$61,233Cash toward the purchase price.
Closing costs + prepaids$19,289Not just lender fees.
Before credits & paid funds$80,522The complete starting cash picture.
Estimated remaining funds due at closing
$80,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,232.69
Your down payment$61,232.69
Closing costs + prepaids$19,289.31
Total buyer cash needed$80,522.00
Remaining funds due$80,522.00
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%)$7,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,443.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Prepaid interest, first (2 days)$252.48
Fees + prepaids$19,289.31
Your down payment is the seller’s equity. You take over the $688,766 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $80,522.00 is due at closing. Uses and sources reconcile at $769,288.31 each. Not a Closing Disclosure.