Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$44,760Cash toward the purchase price.
Closing costs + prepaids$20,709Not just lender fees.
Before credits & paid funds$65,469The complete starting cash picture.
Estimated remaining funds due at closing
$65,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,759.96
Your down payment$44,759.96
Closing costs + prepaids$20,708.90
Total buyer cash needed$65,468.85
Remaining funds due$65,468.85
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%)$7,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,426.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$797.00
Initial HOA (3 months)$39.00
Prepaid interest, first (24 days)$2,928.70
Fees + prepaids$20,708.90
Your down payment is the seller’s equity. You take over the $685,240 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $65,468.85 is due at closing. Uses and sources reconcile at $750,708.90 each. Not a Closing Disclosure.