Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$122,288Cash toward the purchase price.
Closing costs + prepaids$23,964Not just lender fees.
Before credits & paid funds$146,252The complete starting cash picture.
Estimated remaining funds due at closing
$146,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,287.95
Your down payment$122,287.95
Closing costs + prepaids$23,964.48
Total buyer cash needed$146,252.43
Remaining funds due$146,252.43
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%)$3,138.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Initial HOA (3 months)$2,520.00
Prepaid interest, first (25 days)$2,712.92
Fees + prepaids$23,964.48
Your down payment is the seller’s equity. You take over the $627,712 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $146,252.43 is due at closing. Uses and sources reconcile at $773,964.48 each. Not a Closing Disclosure.