Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$69,236Cash toward the purchase price.
Closing costs + prepaids$24,310Not just lender fees.
Before credits & paid funds$93,546The complete starting cash picture.
Estimated remaining funds due at closing
$93,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,236.46
Your down payment$69,236.46
Closing costs + prepaids$24,309.75
Total buyer cash needed$93,546.21
Remaining funds due$93,546.21
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%)$7,568.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,438.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,265.50
Initial HOA (3 months)$540.99
Prepaid interest, first (25 days)$3,278.12
Fees + prepaids$24,309.75
Your down payment is the seller’s equity. You take over the $687,652 balance, so the rest of the $756,888 price is paid at closing. A second mortgage can cover part of it. $93,546.21 is due at closing. Uses and sources reconcile at $781,197.75 each. Not a Closing Disclosure.