Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$15,719Cash toward the purchase price.
Closing costs + prepaids$23,156Not just lender fees.
Before credits & paid funds$38,875The complete starting cash picture.
Estimated remaining funds due at closing
$38,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,718.96
Your down payment$15,718.96
Closing costs + prepaids$23,156.32
Total buyer cash needed$38,875.29
Remaining funds due$38,875.29
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,721.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,900.00
Prepaid interest, first (28 days)$3,716.92
Fees + prepaids$23,156.32
Your down payment is the seller’s equity. You take over the $744,281 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $38,875.29 is due at closing. Uses and sources reconcile at $783,156.32 each. Not a Closing Disclosure.