Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$47,737Cash toward the purchase price.
Closing costs + prepaids$21,489Not just lender fees.
Before credits & paid funds$69,226The complete starting cash picture.
Estimated remaining funds due at closing
$69,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,737.04
Your down payment$47,737.04
Closing costs + prepaids$21,488.84
Total buyer cash needed$69,225.88
Remaining funds due$69,225.88
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%)$7,660.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,591.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$401.25
Prepaid interest, first (27 days)$3,618.27
Fees + prepaids$21,488.84
Your down payment is the seller’s equity. You take over the $718,263 balance, so the rest of the $766,000 price is paid at closing. A second mortgage can cover part of it. $69,225.88 is due at closing. Uses and sources reconcile at $787,488.84 each. Not a Closing Disclosure.