Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$105,168Cash toward the purchase price.
Closing costs + prepaids$22,617Not just lender fees.
Before credits & paid funds$127,785The complete starting cash picture.
Estimated remaining funds due at closing
$127,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,167.76
Your down payment$105,167.76
Closing costs + prepaids$22,617.17
Total buyer cash needed$127,784.93
Remaining funds due$127,784.93
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%)$3,223.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,874.75
Initial HOA (3 months)$789.00
Prepaid interest, first (26 days)$3,012.75
Fees + prepaids$22,617.17
Your down payment is the seller’s equity. You take over the $644,732 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $127,784.93 is due at closing. Uses and sources reconcile at $772,517.17 each. Not a Closing Disclosure.