Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$137,413Cash toward the purchase price.
Closing costs + prepaids$19,881Not just lender fees.
Before credits & paid funds$157,294The complete starting cash picture.
Estimated remaining funds due at closing
$157,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,413.35
Your down payment$137,413.35
Closing costs + prepaids$19,880.91
Total buyer cash needed$157,294.27
Remaining funds due$157,294.27
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,062.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$843.50
Initial HOA (3 months)$315.00
Prepaid interest, first (24 days)$1,941.48
Fees + prepaids$19,880.91
Your down payment is the seller’s equity. You take over the $612,587 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $157,294.27 is due at closing. Uses and sources reconcile at $769,880.91 each. Not a Closing Disclosure.