Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$10,897Cash toward the purchase price.
Closing costs + prepaids$22,922Not just lender fees.
Before credits & paid funds$33,819The complete starting cash picture.
Estimated remaining funds due at closing
$33,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,896.65
Your down payment$10,896.65
Closing costs + prepaids$22,922.05
Total buyer cash needed$33,818.70
Remaining funds due$33,818.70
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%)$7,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,640.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,847.50
Prepaid interest, first (28 days)$3,826.03
Fees + prepaids$22,922.05
Your down payment is the seller’s equity. You take over the $728,103 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $33,818.70 is due at closing. Uses and sources reconcile at $761,922.05 each. Not a Closing Disclosure.