Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$49,624Cash toward the purchase price.
Closing costs + prepaids$19,961Not just lender fees.
Before credits & paid funds$69,586The complete starting cash picture.
Estimated remaining funds due at closing
$69,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,624.17
Your down payment$49,624.17
Closing costs + prepaids$19,961.42
Total buyer cash needed$69,585.59
Remaining funds due$69,585.59
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%)$7,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,586.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$920.50
Prepaid interest, first (12 days)$1,566.04
Fees + prepaids$19,961.42
Your down payment is the seller’s equity. You take over the $717,376 balance, so the rest of the $767,000 price is paid at closing. A second mortgage can cover part of it. $69,585.59 is due at closing. Uses and sources reconcile at $786,961.42 each. Not a Closing Disclosure.