Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$109,085Cash toward the purchase price.
Closing costs + prepaids$20,211Not just lender fees.
Before credits & paid funds$129,296The complete starting cash picture.
Estimated remaining funds due at closing
$129,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,085.00
Your down payment$109,085.00
Closing costs + prepaids$20,210.72
Total buyer cash needed$129,295.72
Remaining funds due$129,295.72
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%)$7,584.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,246.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$618.25
Prepaid interest, first (22 days)$2,543.89
Fees + prepaids$20,210.72
Your down payment is the seller’s equity. You take over the $649,315 balance, so the rest of the $758,400 price is paid at closing. A second mortgage can cover part of it. $129,295.72 is due at closing. Uses and sources reconcile at $778,610.72 each. Not a Closing Disclosure.