Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$110,022Cash toward the purchase price.
Closing costs + prepaids$19,289Not just lender fees.
Before credits & paid funds$129,311The complete starting cash picture.
Estimated remaining funds due at closing
$129,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,021.89
Your down payment$110,021.89
Closing costs + prepaids$19,289.15
Total buyer cash needed$129,311.04
Remaining funds due$129,311.04
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%)$7,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,224.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$943.75
Initial HOA (3 months)$264.00
Prepaid interest, first (16 days)$1,088.51
Fees + prepaids$19,289.15
Your down payment is the seller’s equity. You take over the $644,978 balance, so the rest of the $755,000 price is paid at closing. A second mortgage can cover part of it. $129,311.04 is due at closing. Uses and sources reconcile at $774,289.15 each. Not a Closing Disclosure.