Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$61,151Cash toward the purchase price.
Closing costs + prepaids$20,213Not just lender fees.
Before credits & paid funds$81,365The complete starting cash picture.
Estimated remaining funds due at closing
$81,365No 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$20,213.12
Total buyer cash needed$81,364.50
Remaining funds due$81,364.50
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)$937.50
Initial HOA (3 months)$126.00
Prepaid interest, first (17 days)$1,988.88
Fees + prepaids$20,213.12
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. $81,364.50 is due at closing. Uses and sources reconcile at $770,113.12 each. Not a Closing Disclosure.