Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$107,413Cash toward the purchase price.
Closing costs + prepaids$20,016Not just lender fees.
Before credits & paid funds$127,429The complete starting cash picture.
Estimated remaining funds due at closing
$127,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,412.76
Your down payment$107,412.76
Closing costs + prepaids$20,016.34
Total buyer cash needed$127,429.10
Remaining funds due$127,429.10
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,087.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,929.50
Initial HOA (3 months)$336.00
Prepaid interest, first (22 days)$1,194.90
Fees + prepaids$20,016.34
Your down payment is the seller’s equity. You take over the $617,587 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $127,429.10 is due at closing. Uses and sources reconcile at $745,016.34 each. Not a Closing Disclosure.