Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,549Cash toward the purchase price.
Closing costs + prepaids$22,546Not just lender fees.
Before credits & paid funds$57,095The complete starting cash picture.
Estimated remaining funds due at closing
$57,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,549.22
Your down payment$34,549.22
Closing costs + prepaids$22,545.62
Total buyer cash needed$57,094.84
Remaining funds due$57,094.84
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%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,702.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,463.00
Prepaid interest, first (27 days)$3,412.36
Fees + prepaids$22,545.62
Your down payment is the seller’s equity. You take over the $740,451 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $57,094.84 is due at closing. Uses and sources reconcile at $797,545.62 each. Not a Closing Disclosure.