Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$42,338Cash toward the purchase price.
Closing costs + prepaids$20,693Not just lender fees.
Before credits & paid funds$63,031The complete starting cash picture.
Estimated remaining funds due at closing
$63,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,337.88
Your down payment$42,337.88
Closing costs + prepaids$20,693.04
Total buyer cash needed$63,030.91
Remaining funds due$63,030.91
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%)$7,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,383.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,439.75
Initial HOA (3 months)$135.00
Prepaid interest, first (24 days)$2,326.98
Fees + prepaids$20,693.04
Your down payment is the seller’s equity. You take over the $676,662 balance, so the rest of the $719,000 price is paid at closing. A second mortgage can cover part of it. $63,030.91 is due at closing. Uses and sources reconcile at $739,693.04 each. Not a Closing Disclosure.