Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$56,293Cash toward the purchase price.
Closing costs + prepaids$23,257Not just lender fees.
Before credits & paid funds$79,550The complete starting cash picture.
Estimated remaining funds due at closing
$79,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,292.94
Your down payment$56,292.94
Closing costs + prepaids$23,257.18
Total buyer cash needed$79,550.12
Remaining funds due$79,550.12
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,463.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,945.75
Initial HOA (3 months)$125.01
Prepaid interest, first (26 days)$3,014.89
Fees + prepaids$23,257.18
Your down payment is the seller’s equity. You take over the $692,707 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $79,550.12 is due at closing. Uses and sources reconcile at $772,257.18 each. Not a Closing Disclosure.