Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$122,622Cash toward the purchase price.
Closing costs + prepaids$19,826Not just lender fees.
Before credits & paid funds$142,448The complete starting cash picture.
Estimated remaining funds due at closing
$142,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,621.61
Your down payment$122,621.61
Closing costs + prepaids$19,826.29
Total buyer cash needed$142,447.90
Remaining funds due$142,447.90
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%)$3,136.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,107.25
Initial HOA (3 months)$300.00
Prepaid interest, first (28 days)$1,564.15
Fees + prepaids$19,826.29
Your down payment is the seller’s equity. You take over the $627,378 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $142,447.90 is due at closing. Uses and sources reconcile at $769,826.29 each. Not a Closing Disclosure.