Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$99,119Cash toward the purchase price.
Closing costs + prepaids$19,757Not just lender fees.
Before credits & paid funds$118,876The complete starting cash picture.
Estimated remaining funds due at closing
$118,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,119.13
Your down payment$99,119.13
Closing costs + prepaids$19,757.34
Total buyer cash needed$118,876.47
Remaining funds due$118,876.47
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%)$7,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,154.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$876.00
Initial HOA (3 months)$252.00
Prepaid interest, first (17 days)$1,956.94
Fees + prepaids$19,757.34
Your down payment is the seller’s equity. You take over the $630,881 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $118,876.47 is due at closing. Uses and sources reconcile at $749,757.34 each. Not a Closing Disclosure.