Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$102,510Cash toward the purchase price.
Closing costs + prepaids$21,648Not just lender fees.
Before credits & paid funds$124,159The complete starting cash picture.
Estimated remaining funds due at closing
$124,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,510.48
Your down payment$102,510.48
Closing costs + prepaids$21,648.41
Total buyer cash needed$124,158.89
Remaining funds due$124,158.89
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,237.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$625.50
Initial HOA (3 months)$240.00
Prepaid interest, first (31 days)$3,827.46
Fees + prepaids$21,648.41
Your down payment is the seller’s equity. You take over the $647,490 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $124,158.89 is due at closing. Uses and sources reconcile at $771,648.41 each. Not a Closing Disclosure.