Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$110,945Cash toward the purchase price.
Closing costs + prepaids$20,320Not just lender fees.
Before credits & paid funds$131,265The complete starting cash picture.
Estimated remaining funds due at closing
$131,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,945.09
Your down payment$110,945.09
Closing costs + prepaids$20,319.70
Total buyer cash needed$131,264.79
Remaining funds due$131,264.79
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%)$7,498.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,194.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,107.25
Initial HOA (3 months)$300.00
Prepaid interest, first (18 days)$2,000.85
Fees + prepaids$20,319.70
Your down payment is the seller’s equity. You take over the $638,943 balance, so the rest of the $749,888 price is paid at closing. A second mortgage can cover part of it. $131,264.79 is due at closing. Uses and sources reconcile at $770,207.70 each. Not a Closing Disclosure.