Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$116,820Cash toward the purchase price.
Closing costs + prepaids$17,890Not just lender fees.
Before credits & paid funds$134,710The complete starting cash picture.
Estimated remaining funds due at closing
$134,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,820.21
Your down payment$116,820.21
Closing costs + prepaids$17,890.19
Total buyer cash needed$134,710.40
Remaining funds due$134,710.40
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%)$3,165.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$717.50
Initial HOA (3 months)$174.99
Prepaid interest, first (1 days)$113.80
Fees + prepaids$17,890.19
Your down payment is the seller’s equity. You take over the $633,180 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $134,710.40 is due at closing. Uses and sources reconcile at $767,890.19 each. Not a Closing Disclosure.