Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$97,539Cash toward the purchase price.
Closing costs + prepaids$18,286Not just lender fees.
Before credits & paid funds$115,825The complete starting cash picture.
Estimated remaining funds due at closing
$115,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,538.74
Your down payment$97,538.74
Closing costs + prepaids$18,286.22
Total buyer cash needed$115,824.96
Remaining funds due$115,824.96
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%)$7,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,337.31
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 (1 days)$52.67
Fees + prepaids$18,286.22
Your down payment is the seller’s equity. You take over the $667,461 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $115,824.96 is due at closing. Uses and sources reconcile at $783,286.22 each. Not a Closing Disclosure.