Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$8,073Cash toward the purchase price.
Closing costs + prepaids$22,533Not just lender fees.
Before credits & paid funds$30,606The complete starting cash picture.
Estimated remaining funds due at closing
$30,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,073.47
Your down payment$8,073.47
Closing costs + prepaids$22,533.03
Total buyer cash needed$30,606.50
Remaining funds due$30,606.50
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,509.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,775.00
Initial HOA (3 months)$690.00
Prepaid interest, first (25 days)$3,240.40
Fees + prepaids$22,533.03
Your down payment is the seller’s equity. You take over the $701,927 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $30,606.50 is due at closing. Uses and sources reconcile at $732,533.03 each. Not a Closing Disclosure.