Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,066Cash toward the purchase price.
Closing costs + prepaids$21,083Not just lender fees.
Before credits & paid funds$59,149The complete starting cash picture.
Estimated remaining funds due at closing
$59,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,065.93
Your down payment$38,065.93
Closing costs + prepaids$21,082.92
Total buyer cash needed$59,148.85
Remaining funds due$59,148.85
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%)$7,489.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,554.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,872.50
Prepaid interest, first (25 days)$1,947.76
Fees + prepaids$21,082.92
Your down payment is the seller’s equity. You take over the $710,933 balance, so the rest of the $748,999 price is paid at closing. A second mortgage can cover part of it. $59,148.85 is due at closing. Uses and sources reconcile at $770,081.92 each. Not a Closing Disclosure.