Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$7,511Cash toward the purchase price.
Closing costs + prepaids$19,732Not just lender fees.
Before credits & paid funds$27,243The complete starting cash picture.
Estimated remaining funds due at closing
$27,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,511.27
Your down payment$7,511.27
Closing costs + prepaids$19,731.95
Total buyer cash needed$27,243.22
Remaining funds due$27,243.22
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,587.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$659.25
Initial HOA (3 months)$300.00
Prepaid interest, first (28 days)$1,717.26
Fees + prepaids$19,731.95
Your down payment is the seller’s equity. You take over the $717,489 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $27,243.22 is due at closing. Uses and sources reconcile at $744,731.95 each. Not a Closing Disclosure.