Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$100,348Cash toward the purchase price.
Closing costs + prepaids$22,433Not just lender fees.
Before credits & paid funds$122,781The complete starting cash picture.
Estimated remaining funds due at closing
$122,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,348.29
Your down payment$100,348.29
Closing costs + prepaids$22,433.05
Total buyer cash needed$122,781.34
Remaining funds due$122,781.34
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%)$7,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,273.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,887.50
Initial HOA (3 months)$240.00
Prepaid interest, first (28 days)$3,264.29
Fees + prepaids$22,433.05
Your down payment is the seller’s equity. You take over the $654,652 balance, so the rest of the $755,000 price is paid at closing. A second mortgage can cover part of it. $122,781.34 is due at closing. Uses and sources reconcile at $777,433.05 each. Not a Closing Disclosure.