Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$73,302Cash toward the purchase price.
Closing costs + prepaids$22,135Not just lender fees.
Before credits & paid funds$95,437The complete starting cash picture.
Estimated remaining funds due at closing
$95,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,301.59
Your down payment$73,301.59
Closing costs + prepaids$22,135.10
Total buyer cash needed$95,436.68
Remaining funds due$95,436.68
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,428.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,897.50
Prepaid interest, first (25 days)$3,001.10
Fees + prepaids$22,135.10
Your down payment is the seller’s equity. You take over the $685,698 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $95,436.68 is due at closing. Uses and sources reconcile at $781,135.10 each. Not a Closing Disclosure.