Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$84,476Cash toward the purchase price.
Closing costs + prepaids$21,449Not just lender fees.
Before credits & paid funds$105,925The complete starting cash picture.
Estimated remaining funds due at closing
$105,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,475.88
Your down payment$84,475.88
Closing costs + prepaids$21,449.02
Total buyer cash needed$105,924.89
Remaining funds due$105,924.89
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%)$3,202.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,001.50
Initial HOA (3 months)$28.26
Prepaid interest, first (23 days)$2,748.64
Fees + prepaids$21,449.02
Your down payment is the seller’s equity. You take over the $640,524 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $105,924.89 is due at closing. Uses and sources reconcile at $746,449.02 each. Not a Closing Disclosure.