Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$135,317Cash toward the purchase price.
Closing costs + prepaids$20,400Not just lender fees.
Before credits & paid funds$155,716The complete starting cash picture.
Estimated remaining funds due at closing
$155,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,316.73
Your down payment$135,316.73
Closing costs + prepaids$20,399.70
Total buyer cash needed$155,716.43
Remaining funds due$155,716.43
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,118.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,897.50
Prepaid interest, first (29 days)$1,575.78
Fees + prepaids$20,399.70
Your down payment is the seller’s equity. You take over the $623,683 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $155,716.43 is due at closing. Uses and sources reconcile at $779,399.70 each. Not a Closing Disclosure.