Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$75,689Cash toward the purchase price.
Closing costs + prepaids$21,615Not just lender fees.
Before credits & paid funds$97,305The complete starting cash picture.
Estimated remaining funds due at closing
$97,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,689.49
Your down payment$75,689.49
Closing costs + prepaids$21,615.23
Total buyer cash needed$97,304.73
Remaining funds due$97,304.73
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%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,496.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,094.25
Initial HOA (3 months)$186.00
Prepaid interest, first (22 days)$2,870.43
Fees + prepaids$21,615.23
Your down payment is the seller’s equity. You take over the $699,311 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $97,304.73 is due at closing. Uses and sources reconcile at $796,615.23 each. Not a Closing Disclosure.