Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$51,714Cash toward the purchase price.
Closing costs + prepaids$23,243Not just lender fees.
Before credits & paid funds$74,956The complete starting cash picture.
Estimated remaining funds due at closing
$74,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,713.55
Your down payment$51,713.55
Closing costs + prepaids$23,242.79
Total buyer cash needed$74,956.34
Remaining funds due$74,956.34
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,486.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,872.50
Initial HOA (3 months)$933.00
Prepaid interest, first (25 days)$3,242.86
Fees + prepaids$23,242.79
Your down payment is the seller’s equity. You take over the $697,286 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $74,956.34 is due at closing. Uses and sources reconcile at $772,242.79 each. Not a Closing Disclosure.