Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$28,063Cash toward the purchase price.
Closing costs + prepaids$24,255Not just lender fees.
Before credits & paid funds$52,318The complete starting cash picture.
Estimated remaining funds due at closing
$52,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,063.22
Your down payment$28,063.22
Closing costs + prepaids$24,255.16
Total buyer cash needed$52,318.38
Remaining funds due$52,318.38
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%)$7,448.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,584.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,862.25
Initial HOA (3 months)$1,818.00
Prepaid interest, first (25 days)$3,323.91
Fees + prepaids$24,255.16
Your down payment is the seller’s equity. You take over the $716,825 balance, so the rest of the $744,888 price is paid at closing. A second mortgage can cover part of it. $52,318.38 is due at closing. Uses and sources reconcile at $769,143.16 each. Not a Closing Disclosure.