Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$83,412Cash toward the purchase price.
Closing costs + prepaids$18,201Not just lender fees.
Before credits & paid funds$101,614The complete starting cash picture.
Estimated remaining funds due at closing
$101,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,412.46
Your down payment$83,412.46
Closing costs + prepaids$18,201.08
Total buyer cash needed$101,613.54
Remaining funds due$101,613.54
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%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,457.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$659.75
Prepaid interest, first (1 days)$115.39
Fees + prepaids$18,201.08
Your down payment is the seller’s equity. You take over the $691,588 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $101,613.54 is due at closing. Uses and sources reconcile at $793,201.08 each. Not a Closing Disclosure.