Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$86,895Cash toward the purchase price.
Closing costs + prepaids$19,348Not just lender fees.
Before credits & paid funds$106,244The complete starting cash picture.
Estimated remaining funds due at closing
$106,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,895.46
Your down payment$86,895.46
Closing costs + prepaids$19,348.24
Total buyer cash needed$106,243.70
Remaining funds due$106,243.70
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,310.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$898.75
Initial HOA (3 months)$77.01
Prepaid interest, first (12 days)$1,353.96
Fees + prepaids$19,348.24
Your down payment is the seller’s equity. You take over the $662,105 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $106,243.70 is due at closing. Uses and sources reconcile at $768,348.24 each. Not a Closing Disclosure.