Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$67,443Cash toward the purchase price.
Closing costs + prepaids$19,157Not just lender fees.
Before credits & paid funds$86,600The complete starting cash picture.
Estimated remaining funds due at closing
$86,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,442.88
Your down payment$67,442.88
Closing costs + prepaids$19,157.49
Total buyer cash needed$86,600.37
Remaining funds due$86,600.37
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%)$3,412.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$900.00
Initial HOA (3 months)$399.00
Prepaid interest, first (6 days)$729.20
Fees + prepaids$19,157.49
Your down payment is the seller’s equity. You take over the $682,457 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $86,600.37 is due at closing. Uses and sources reconcile at $769,057.49 each. Not a Closing Disclosure.