Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$76,157Cash toward the purchase price.
Closing costs + prepaids$21,074Not just lender fees.
Before credits & paid funds$97,231The complete starting cash picture.
Estimated remaining funds due at closing
$97,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,156.87
Your down payment$76,156.87
Closing costs + prepaids$21,074.21
Total buyer cash needed$97,231.08
Remaining funds due$97,231.08
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%)$3,369.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Initial HOA (3 months)$720.00
Prepaid interest, first (26 days)$1,391.99
Fees + prepaids$21,074.21
Your down payment is the seller’s equity. You take over the $673,843 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $97,231.08 is due at closing. Uses and sources reconcile at $771,074.21 each. Not a Closing Disclosure.