Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$3,209Cash toward the purchase price.
Closing costs + prepaids$21,036Not just lender fees.
Before credits & paid funds$24,245The complete starting cash picture.
Estimated remaining funds due at closing
$24,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,208.61
Your down payment$3,208.61
Closing costs + prepaids$21,036.24
Total buyer cash needed$24,244.85
Remaining funds due$24,244.85
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,608.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$884.25
Prepaid interest, first (25 days)$3,075.03
Fees + prepaids$21,036.24
Your down payment is the seller’s equity. You take over the $721,791 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $24,244.85 is due at closing. Uses and sources reconcile at $746,036.24 each. Not a Closing Disclosure.