Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$82,349Cash toward the purchase price.
Closing costs + prepaids$19,116Not just lender fees.
Before credits & paid funds$101,465The complete starting cash picture.
Estimated remaining funds due at closing
$101,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,349.01
Your down payment$82,349.01
Closing costs + prepaids$19,116.43
Total buyer cash needed$101,465.44
Remaining funds due$101,465.44
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%)$7,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,258.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$880.75
Initial HOA (3 months)$375.00
Prepaid interest, first (9 days)$1,044.43
Fees + prepaids$19,116.43
Your down payment is the seller’s equity. You take over the $651,651 balance, so the rest of the $734,000 price is paid at closing. A second mortgage can cover part of it. $101,465.44 is due at closing. Uses and sources reconcile at $753,116.43 each. Not a Closing Disclosure.