Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$97,349Cash toward the purchase price.
Closing costs + prepaids$20,802Not just lender fees.
Before credits & paid funds$118,151The complete starting cash picture.
Estimated remaining funds due at closing
$118,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,349.01
Your down payment$97,349.01
Closing costs + prepaids$20,802.20
Total buyer cash needed$118,151.22
Remaining funds due$118,151.22
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%)$3,258.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,140.00
Initial HOA (3 months)$375.00
Prepaid interest, first (20 days)$2,320.95
Fees + prepaids$20,802.20
Your down payment is the seller’s equity. You take over the $651,651 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $118,151.22 is due at closing. Uses and sources reconcile at $769,802.20 each. Not a Closing Disclosure.