Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$98,046Cash toward the purchase price.
Closing costs + prepaids$19,319Not just lender fees.
Before credits & paid funds$117,366The complete starting cash picture.
Estimated remaining funds due at closing
$117,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,046.38
Your down payment$98,046.38
Closing costs + prepaids$19,319.49
Total buyer cash needed$117,365.87
Remaining funds due$117,365.87
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%)$7,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,329.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,028.25
Prepaid interest, first (21 days)$1,103.48
Fees + prepaids$19,319.49
Your down payment is the seller’s equity. You take over the $665,954 balance, so the rest of the $764,000 price is paid at closing. A second mortgage can cover part of it. $117,365.87 is due at closing. Uses and sources reconcile at $783,319.49 each. Not a Closing Disclosure.