Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$15,631Cash toward the purchase price.
Closing costs + prepaids$22,954Not just lender fees.
Before credits & paid funds$38,585The complete starting cash picture.
Estimated remaining funds due at closing
$38,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,631.03
Your down payment$15,631.03
Closing costs + prepaids$22,954.16
Total buyer cash needed$38,585.18
Remaining funds due$38,585.18
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%)$7,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,661.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,870.00
Initial HOA (3 months)$660.00
Prepaid interest, first (23 days)$3,064.31
Fees + prepaids$22,954.16
Your down payment is the seller’s equity. You take over the $732,369 balance, so the rest of the $748,000 price is paid at closing. A second mortgage can cover part of it. $38,585.18 is due at closing. Uses and sources reconcile at $770,954.16 each. Not a Closing Disclosure.