Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$33,416Cash toward the purchase price.
Closing costs + prepaids$21,437Not just lender fees.
Before credits & paid funds$54,853The complete starting cash picture.
Estimated remaining funds due at closing
$54,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,415.80
Your down payment$33,415.80
Closing costs + prepaids$21,437.01
Total buyer cash needed$54,852.81
Remaining funds due$54,852.81
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,577.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$987.50
Initial HOA (3 months)$28.74
Prepaid interest, first (26 days)$3,134.85
Fees + prepaids$21,437.01
Your down payment is the seller’s equity. You take over the $715,584 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $54,852.81 is due at closing. Uses and sources reconcile at $770,437.01 each. Not a Closing Disclosure.