Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$135,813Cash toward the purchase price.
Closing costs + prepaids$21,128Not just lender fees.
Before credits & paid funds$156,942The complete starting cash picture.
Estimated remaining funds due at closing
$156,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,813.42
Your down payment$135,813.42
Closing costs + prepaids$21,128.36
Total buyer cash needed$156,941.78
Remaining funds due$156,941.78
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,070.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,613.00
Initial HOA (3 months)$174.00
Prepaid interest, first (22 days)$2,553.93
Fees + prepaids$21,128.36
Your down payment is the seller’s equity. You take over the $614,087 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $156,941.78 is due at closing. Uses and sources reconcile at $771,028.36 each. Not a Closing Disclosure.