Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$36,787Cash toward the purchase price.
Closing costs + prepaids$22,116Not just lender fees.
Before credits & paid funds$58,903The complete starting cash picture.
Estimated remaining funds due at closing
$58,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,786.88
Your down payment$36,786.88
Closing costs + prepaids$22,115.87
Total buyer cash needed$58,902.74
Remaining funds due$58,902.74
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%)$3,466.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,726.75
Initial HOA (3 months)$195.00
Prepaid interest, first (27 days)$3,210.05
Fees + prepaids$22,115.87
Your down payment is the seller’s equity. You take over the $693,213 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $58,902.74 is due at closing. Uses and sources reconcile at $752,115.87 each. Not a Closing Disclosure.