Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$87,771Cash toward the purchase price.
Closing costs + prepaids$22,726Not just lender fees.
Before credits & paid funds$110,496The complete starting cash picture.
Estimated remaining funds due at closing
$110,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,770.55
Your down payment$87,770.55
Closing costs + prepaids$22,725.57
Total buyer cash needed$110,496.12
Remaining funds due$110,496.12
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%)$7,389.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,255.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,847.25
Initial HOA (3 months)$1,140.00
Prepaid interest, first (26 days)$2,875.67
Fees + prepaids$22,725.57
Your down payment is the seller’s equity. You take over the $651,129 balance, so the rest of the $738,900 price is paid at closing. A second mortgage can cover part of it. $110,496.12 is due at closing. Uses and sources reconcile at $761,625.57 each. Not a Closing Disclosure.