Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,250Cash toward the purchase price.
Closing costs + prepaids$19,716Not just lender fees.
Before credits & paid funds$42,966The complete starting cash picture.
Estimated remaining funds due at closing
$42,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,250.11
Your down payment$23,250.11
Closing costs + prepaids$19,716.06
Total buyer cash needed$42,966.18
Remaining funds due$42,966.18
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,433.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Prepaid interest, first (23 days)$2,964.31
Fees + prepaids$19,716.06
Your down payment is the seller’s equity. You take over the $686,750 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $42,966.18 is due at closing. Uses and sources reconcile at $729,716.06 each. Not a Closing Disclosure.