Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$61,151Cash toward the purchase price.
Closing costs + prepaids$21,419Not just lender fees.
Before credits & paid funds$82,570The complete starting cash picture.
Estimated remaining funds due at closing
$82,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,151.38
Your down payment$61,151.38
Closing costs + prepaids$21,418.55
Total buyer cash needed$82,569.93
Remaining funds due$82,569.93
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,443.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$973.00
Initial HOA (3 months)$126.00
Prepaid interest, first (27 days)$3,158.81
Fees + prepaids$21,418.55
Your down payment is the seller’s equity. You take over the $688,749 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $82,569.93 is due at closing. Uses and sources reconcile at $771,318.55 each. Not a Closing Disclosure.