Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$91,882Cash toward the purchase price.
Closing costs + prepaids$23,445Not just lender fees.
Before credits & paid funds$115,327The complete starting cash picture.
Estimated remaining funds due at closing
$115,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,882.24
Your down payment$91,882.24
Closing costs + prepaids$23,444.96
Total buyer cash needed$115,327.20
Remaining funds due$115,327.20
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%)$7,459.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,270.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,266.25
Initial HOA (3 months)$1,554.99
Prepaid interest, first (22 days)$2,676.63
Fees + prepaids$23,444.96
Your down payment is the seller’s equity. You take over the $654,018 balance, so the rest of the $745,900 price is paid at closing. A second mortgage can cover part of it. $115,327.20 is due at closing. Uses and sources reconcile at $769,344.96 each. Not a Closing Disclosure.