Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$11,489Cash toward the purchase price.
Closing costs + prepaids$22,959Not just lender fees.
Before credits & paid funds$34,447The complete starting cash picture.
Estimated remaining funds due at closing
$34,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,488.64
Your down payment$11,488.64
Closing costs + prepaids$22,958.68
Total buyer cash needed$34,447.31
Remaining funds due$34,447.31
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,692.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,874.75
Initial HOA (3 months)$315.00
Prepaid interest, first (24 days)$3,359.87
Fees + prepaids$22,958.68
Your down payment is the seller’s equity. You take over the $738,411 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $34,447.31 is due at closing. Uses and sources reconcile at $772,858.68 each. Not a Closing Disclosure.