Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$49,624Cash toward the purchase price.
Closing costs + prepaids$21,305Not just lender fees.
Before credits & paid funds$70,930The complete starting cash picture.
Estimated remaining funds due at closing
$70,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,624.17
Your down payment$49,624.17
Closing costs + prepaids$21,305.46
Total buyer cash needed$70,929.63
Remaining funds due$70,929.63
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%)$7,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,586.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$829.00
Prepaid interest, first (23 days)$3,001.58
Fees + prepaids$21,305.46
Your down payment is the seller’s equity. You take over the $717,376 balance, so the rest of the $767,000 price is paid at closing. A second mortgage can cover part of it. $70,929.63 is due at closing. Uses and sources reconcile at $788,305.46 each. Not a Closing Disclosure.