Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$135,237Cash toward the purchase price.
Closing costs + prepaids$20,144Not just lender fees.
Before credits & paid funds$155,381The complete starting cash picture.
Estimated remaining funds due at closing
$155,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,236.71
Your down payment$135,236.71
Closing costs + prepaids$20,144.06
Total buyer cash needed$155,380.77
Remaining funds due$155,380.77
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,073.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$761.75
Initial HOA (3 months)$249.00
Prepaid interest, first (21 days)$2,341.49
Fees + prepaids$20,144.06
Your down payment is the seller’s equity. You take over the $614,763 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $155,380.77 is due at closing. Uses and sources reconcile at $770,144.06 each. Not a Closing Disclosure.