Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$97,836Cash toward the purchase price.
Closing costs + prepaids$21,141Not just lender fees.
Before credits & paid funds$118,977The complete starting cash picture.
Estimated remaining funds due at closing
$118,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,836.27
Your down payment$97,836.27
Closing costs + prepaids$21,141.17
Total buyer cash needed$118,977.43
Remaining funds due$118,977.43
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,310.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$755.50
Initial HOA (3 months)$77.01
Prepaid interest, first (28 days)$3,179.84
Fees + prepaids$21,141.17
Your down payment is the seller’s equity. You take over the $662,164 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $118,977.43 is due at closing. Uses and sources reconcile at $781,141.17 each. Not a Closing Disclosure.