Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$97,895Cash toward the purchase price.
Closing costs + prepaids$21,120Not just lender fees.
Before credits & paid funds$119,016The complete starting cash picture.
Estimated remaining funds due at closing
$119,016No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,895.46
Your down payment$97,895.46
Closing costs + prepaids$21,120.27
Total buyer cash needed$119,015.73
Remaining funds due$119,015.73
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%)$3,310.52
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)$3,159.24
Fees + prepaids$21,120.27
Your down payment is the seller’s equity. You take over the $662,105 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $119,015.73 is due at closing. Uses and sources reconcile at $781,120.27 each. Not a Closing Disclosure.