Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$36,036Cash toward the purchase price.
Closing costs + prepaids$21,002Not just lender fees.
Before credits & paid funds$57,038The complete starting cash picture.
Estimated remaining funds due at closing
$57,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,036.37
Your down payment$36,036.37
Closing costs + prepaids$21,001.59
Total buyer cash needed$57,037.95
Remaining funds due$57,037.95
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%)$7,015.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,327.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,110.50
Initial HOA (3 months)$204.00
Prepaid interest, first (25 days)$3,126.77
Fees + prepaids$21,001.59
Your down payment is the seller’s equity. You take over the $665,464 balance, so the rest of the $701,500 price is paid at closing. A second mortgage can cover part of it. $57,037.95 is due at closing. Uses and sources reconcile at $722,501.59 each. Not a Closing Disclosure.